[wallet] use P2WPKH change output if any destination is P2WPKH or P2WSH

Summary:
Only if -changetype is not set and -addresstype is not "legacy".

This is a backport of Core PR12119

Test Plan:

make check

Reviewers: #bitcoin_abc, jasonbcox

Reviewed By: #bitcoin_abc, jasonbcox

Subscribers: jasonbcox

Differential Revision: https://reviews.bitcoinabc.org/D3661