add_update(): initialize the whole ref_update

add_update(): initialize the whole ref_update

Change add_update() to initialize all of the fields in the new
ref_update object. Rename the function to ref_transaction_add_update(),
and increase its visibility to all of the refs-related code.

All of this makes the function more useful for other future callers.

Signed-off-by: Michael Haggerty <mhagger@alum.mit.edu>