cfg80211/mac80211: improve ad-hoc multicast rate handling

- store the multicast rate as an index instead of the rate value
  (reduces cpu overhead in a hotpath)
- validate the rate values (must match a bitrate in at least one sband)

Signed-off-by: Felix Fietkau <nbd@openwrt.org>
Signed-off-by: John W. Linville <linville@tuxdriver.com>