Fix off-by-one errors in use of IsFinalTx()

Previously CreateNewBlock() didn't take into account the fact that
IsFinalTx() without any arguments tests if the transaction is considered
final in the *current* block, when both those functions really needed to
know if the transaction would be final in the *next* block.

Additionally the UI had a similar misunderstanding.

Also adds some basic tests to check that CreateNewBlock() is in fact
mining nLockTime-using transactions correctly.

Thanks to Wladimir J. van der Laan for rebase.

src/miner.cpp

@@ -158,7 +158,7 @@ CBlockTemplate* CreateNewBlock(const CScript& scriptPubKeyIn)
              mi != mempool.mapTx.end(); ++mi)
         {
             const CTransaction& tx = mi->second.GetTx();
-            if (tx.IsCoinBase() || !IsFinalTx(tx))
+            if (tx.IsCoinBase() || !IsFinalTx(tx, pindexPrev->nHeight + 1))
                 continue;
 
             COrphan* porphan = NULL;