[ty] Make the default settings try harder to avoid crashes #21047
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This introduces a safe_mode to our settings type that tells our initialization code to more aggressively believe Settings Failure Is Not An Error. This allows the full settings initialization logic to be used as much as possible for the default database while trying to keep any discarded results as narrow as possible for graceful degradation.
Finally, Python has SFINAE.
Fixes astral-sh/ty#859