Fix upvars sometimes not being marked as used mutably

Drill down the loan path for McDeclared references as well since
it might lead to an upvar.  Closes #18769
Update test to cover #18769
auto merge of #18802 : bkoropoff/rust/issue-18769, r=luqmana

Drill down the loan path for `McDeclared` references as well since it might lead to an upvar.  Closes #18769