netinet: Implement in_cksum_skip() using m_apply()

This allows it to work with unmapped mbufs. In particular,
in_cksum_skip() calls no longer need to be preceded by calls to
mb_unmapped_to_ext() to avoid a page fault.

PR: 259645
Reviewed by: gallatin, glebius, jhb
MFC after: 1 week
Sponsored by: The FreeBSD Foundation
Differential Revision: https://reviews.freebsd.org/D33096