Fix crash when unmounting/closing multifile while streams are open
It's not really reasonable to expect a user to find every occurrence of a cached resource that might be using an open stream and remove it or crash otherwise.
This is fixed by keeping the multifile stream open as long as any substreams are still pointing to it, using a simplified reference counting (care is taken not to fully make StreamWrapper reference-counted, since it's not in express and existing uses should not be broken).
Fixes #449
Also see #428