newTypeEncoder (called once per type and then cached) was
looking at the first value seen of that type's addressability
and caching the encoder decision.  If the first value seen was
addressable and a future one wasn't, it would panic.

Instead, introduce a new wrapper encoder type that checks
CanAddr at runtime.

Fixes #6458

R=golang-dev, rsc
CC=golang-dev
https://golang.org/cl/13839045