When using git annex unlock, followed by git annex add, it currently
checksums files, even if the file has not changed.

Direct mode has a better approach for this: The inode cache can pretty
reliably detect if a file has been modified. So, `unlock` could note
a file's inode cache info, and then `add` could check if a file's inode
cache is unchanged, and rather than re-checksum it, just perform a fast 
`lock`.

Question: How would `add` know what key's inode cache to look at? Seems it
would need to either check the git branch (as direct mode does, but this is
rather slow and would slow down `add` in the more common case of adding
lots of new files), or use a yet-unimplemented [[design/caching_database]].
Or, the inode cache could be stored in a map with the work tree filename,
but that diverges from how direct mode uses inode caches.

Observation: Using the inode cache info to detect changes is not perfect;
if a file is modified without changing its size or mtime, the inode cache
won't be able to tell it's changed. This is unlikely, but possible. In
direct mode, the worst that can happen in this case is probably that a
modified file doesn't get added and committed. But, using the inode cache
for unlocked files would result in any such modified versions being thrown
away when the file is added, which is much more data lossy..