BUG: Don't over-optimize memory with jagged CSV
With jagged CSV's, we risk being too quick to dump memory that we need to allocate because previous chunks would have indicated much larger rows than we can anticipate in subsequent chunks.

Closes #23509.
Hello @gfyoung! Thanks for submitting the PR.

 - There are no PEP8 issues in the file [`pandas/tests/io/parser/common.py`](https://github.com/gfyoung/pandas/blob/feccd27b2725b71b6223f2a8fa4569d0b04e29da/pandas/tests/io/parser/common.py) !

 # [Codecov](https://codecov.io/gh/pandas-dev/pandas/pull/23527?src=pr&el=h1) Report
> Merging [#23527](https://codecov.io/gh/pandas-dev/pandas/pull/23527?src=pr&el=desc) into [master](https://codecov.io/gh/pandas-dev/pandas/commit/dcb8b6a779874663d5cfa8b61d3a2c6896f29a0f?src=pr&el=desc) will **not change** coverage.
> The diff coverage is `n/a`.

[![Impacted file tree graph](https://codecov.io/gh/pandas-dev/pandas/pull/23527/graphs/tree.svg?width=650&token=eZ4WkYLtcO&height=150&src=pr)](https://codecov.io/gh/pandas-dev/pandas/pull/23527?src=pr&el=tree)

```diff
@@           Coverage Diff           @@
##           master   #23527   +/-   ##
=======================================
  Coverage   92.23%   92.23%           
=======================================
  Files         161      161           
  Lines       51324    51324           
=======================================
  Hits        47339    47339           
  Misses       3985     3985
```

| Flag | Coverage Δ | |
|---|---|---|
| #multiple | `90.62% <ø> (ø)` | :arrow_up: |
| #single | `42.29% <ø> (ø)` | :arrow_up: |


------

[Continue to review full report at Codecov](https://codecov.io/gh/pandas-dev/pandas/pull/23527?src=pr&el=continue).
> **Legend** - [Click here to learn more](https://docs.codecov.io/docs/codecov-delta)
> `Δ = absolute <relative> (impact)`, `ø = not affected`, `? = missing data`
> Powered by [Codecov](https://codecov.io/gh/pandas-dev/pandas/pull/23527?src=pr&el=footer). Last update [dcb8b6a...17f7822](https://codecov.io/gh/pandas-dev/pandas/pull/23527?src=pr&el=lastupdated). Read the [comment docs](https://docs.codecov.io/docs/pull-request-comments).
 @jreback : Any thoughts on this one? (I only removed the `0.24.0` label because of the group discussion to not add the milestone unless it was about to be merged...) can you run the current benchmarks on this. do we have any that specifically target this?  @jreback : No specific benchmarks as far as know, though I did not observe any meaningful changes to the benchmarks after making this change. @jreback : Any other thoughts on this? @jreback : Addressed the doc comments, and all is still green.  PTAL. thanks @gfyoung 
