PmCheck: Adjust recursion depth for inhabitation test

In #17977, we ran into the reduction depth limit of the typechecker.
That was only a symptom of a much broader issue: The recursion depth
of the coverage checker for trying to instantiate strict fields in the
`nonVoid` test was far too high (100, the `defaultMaxTcBound`).

As a result, we were performing quite poorly on `T17977`.
Short of a proper termination analysis to prove emptyness of a type,
we just arbitrarily default to a much lower recursion limit of 3.

Fixes #17977.