feat(user-constants): make required-path init failures actionable

cj/verify-or-create-dir and cj/verify-or-create-file caught every creation failure and only messaged it, so a broken environment for a path the config actually needs stayed quiet until some later module failed in a more confusing way. I gave both an optional required flag and routed failures through a shared cj/--report-path-failure: a required failure raises a prominent display-warning, an optional one is still just logged so it never blocks startup.

The initializer now groups its paths by that distinction. Required: the backbone directories (sync, org, roam) and the calendar stubs (gcal/pcal/dcal), since org-agenda-list hangs prompting for those when they're missing. Optional: the secondary dirs and the content files, each populated by its own workflow. I went with a warning rather than a user-error for required failures so a directory hiccup surfaces loudly without aborting init.

Added error-path tests: an optional failure logs and never warns, and a required dir or file failure raises a user-constants warning.

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