Small speed up to starting web requests

[bdraco]

Since we will almost always set the PayloadAccessError on the payload, only create it once

related issue #2779

Its a small speed up, but its also a very simple change. Test with HA -> Requests/sec: 28222.98 -> Requests/sec: 28884.79

[codecov]

Codecov Report

All modified and coverable lines are covered by tests ✅

Project coverage is 98.42%. Comparing base (76c6010) to head (2e3b556).
Report is 1046 commits behind head on master.

✅ All tests successful. No failed tests found.

Additional details and impacted files

@@           Coverage Diff           @@
##           master    #9241   +/-   ##
=======================================
  Coverage   98.42%   98.42%           
=======================================
  Files         107      107           
  Lines       34715    34716    +1     
  Branches     4116     4116           
=======================================
+ Hits        34168    34169    +1     
  Misses        380      380           
  Partials      167      167           

Flag	Coverage Δ
CI-GHA	98.30% <100.00%> (+<0.01%)	⬆️
OS-Linux	97.97% <100.00%> (+<0.01%)	⬆️
OS-Windows	96.36% <100.00%> (+<0.01%)	⬆️
OS-macOS	97.65% <100.00%> (-0.01%)	⬇️
Py-3.10.11	97.74% <100.00%> (+<0.01%)	⬆️
Py-3.10.15	97.67% <100.00%> (+<0.01%)	⬆️
Py-3.11.10	97.57% <100.00%> (+<0.01%)	⬆️
Py-3.11.9	97.64% <100.00%> (+<0.01%)	⬆️
Py-3.12.6	98.02% <100.00%> (+<0.01%)	⬆️
Py-3.9.13	97.62% <100.00%> (+<0.01%)	⬆️
Py-3.9.20	97.57% <100.00%> (+<0.01%)	⬆️
Py-pypy7.3.16	97.18% <100.00%> (+<0.01%)	⬆️
VM-macos	97.65% <100.00%> (-0.01%)	⬇️
VM-ubuntu	97.97% <100.00%> (+<0.01%)	⬆️
VM-windows	96.36% <100.00%> (+<0.01%)	⬆️

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[patchback]

Backport to 3.10: 💔 cherry-picking failed — conflicts found

❌ Failed to cleanly apply 7e0ef07 on top of patchback/backports/3.10/7e0ef0748c206d628e414dc20c033d67f94b2172/pr-9241

Backporting merged PR #9241 into master

1. Ensure you have a local repo clone of your fork. Unless you cloned it
   from the upstream, this would be your origin remote.
2. Make sure you have an upstream repo added as a remote too. In these
   instructions you'll refer to it by the name upstream. If you don't
   have it, here's how you can add it:

   $ git remote add upstream https://github.com/aio-libs/aiohttp.git

3. Ensure you have the latest copy of upstream and prepare a branch
   that will hold the backported code:

   $ git fetch upstream
   $ git checkout -b patchback/backports/3.10/7e0ef0748c206d628e414dc20c033d67f94b2172/pr-9241 upstream/3.10

4. Now, cherry-pick PR Small speed up to starting web requests #9241 contents into that branch:

   $ git cherry-pick -x 7e0ef0748c206d628e414dc20c033d67f94b2172

   If it'll yell at you with something like fatal: Commit 7e0ef0748c206d628e414dc20c033d67f94b2172 is a merge but no -m option was given., add -m 1 as follows instead:

   $ git cherry-pick -m1 -x 7e0ef0748c206d628e414dc20c033d67f94b2172

5. At this point, you'll probably encounter some merge conflicts. You must
   resolve them in to preserve the patch from PR Small speed up to starting web requests #9241 as close to the
   original as possible.
6. Push this branch to your fork on GitHub:

   $ git push origin patchback/backports/3.10/7e0ef0748c206d628e414dc20c033d67f94b2172/pr-9241

7. Create a PR, ensure that the CI is green. If it's not — update it so that
   the tests and any other checks pass. This is it!
   Now relax and wait for the maintainers to process your pull request
   when they have some cycles to do reviews. Don't worry — they'll tell you if
   any improvements are necessary when the time comes!

🤖 @patchback
I'm built with octomachinery and
my source is open — https://github.com/sanitizers/patchback-github-app.

[patchback]

Backport to 3.11: 💔 cherry-picking failed — conflicts found

❌ Failed to cleanly apply 7e0ef07 on top of patchback/backports/3.11/7e0ef0748c206d628e414dc20c033d67f94b2172/pr-9241

Backporting merged PR #9241 into master

1. Ensure you have a local repo clone of your fork. Unless you cloned it
   from the upstream, this would be your origin remote.
2. Make sure you have an upstream repo added as a remote too. In these
   instructions you'll refer to it by the name upstream. If you don't
   have it, here's how you can add it:

   $ git remote add upstream https://github.com/aio-libs/aiohttp.git

3. Ensure you have the latest copy of upstream and prepare a branch
   that will hold the backported code:

   $ git fetch upstream
   $ git checkout -b patchback/backports/3.11/7e0ef0748c206d628e414dc20c033d67f94b2172/pr-9241 upstream/3.11

4. Now, cherry-pick PR Small speed up to starting web requests #9241 contents into that branch:

   $ git cherry-pick -x 7e0ef0748c206d628e414dc20c033d67f94b2172

   If it'll yell at you with something like fatal: Commit 7e0ef0748c206d628e414dc20c033d67f94b2172 is a merge but no -m option was given., add -m 1 as follows instead:

   $ git cherry-pick -m1 -x 7e0ef0748c206d628e414dc20c033d67f94b2172

5. At this point, you'll probably encounter some merge conflicts. You must
   resolve them in to preserve the patch from PR Small speed up to starting web requests #9241 as close to the
   original as possible.
6. Push this branch to your fork on GitHub:

   $ git push origin patchback/backports/3.11/7e0ef0748c206d628e414dc20c033d67f94b2172/pr-9241

7. Create a PR, ensure that the CI is green. If it's not — update it so that
   the tests and any other checks pass. This is it!
   Now relax and wait for the maintainers to process your pull request
   when they have some cycles to do reviews. Don't worry — they'll tell you if
   any improvements are necessary when the time comes!

🤖 @patchback
I'm built with octomachinery and
my source is open — https://github.com/sanitizers/patchback-github-app.