Fix wrap-nested-params for non-form content-types

The `wrap-nested-params` always kicked in, except when the :content-type
was set to :json. When sending nested structures as :edn or :transit the
payload got also nested. This PR fixes that problem, by only nesting if
there is no content type set (which defaults to x-www-form-urlencoded)
or if the content type is x-www-form-urlencoded.
Can we leave this as `^:dynamic` and named `parse-transit`? I am trying to stick with the convention of `parse-edn` and `parse-html`, as well as making it rebindable so people can implement their own transit parsing if desired.