core/exec-credential: treat credentials dir as populated if it's mounted

core/exec-credential: treat credentials dir as populated if it's mounted

We should only fall back to the dir_is_empty() check if
it's a plain dir, where we can't reasonably differentiate
populated yet empty vs not set up. Otherwise let's stick
to the existing mount if we're told to reuse it.

Yes, this is a minor compat break, but with the to-be-introduced
credential reloading support it should fulfill the goal of
keeping the passed set of credentials stable better, while
still allowing things to be refreshed when requested.