Fix clippy 1.98 lints

[m11y]

Summary

• cargo clippy --all-targets --all-features -- -Dwarnings (the CI lint job) currently fails on main with stable clippy 1.98. CI reports four of them; the other four are hidden because the library fails to compile first.
• Fixes all eight with no behavior change: question_mark in actions::unlock (x2), collapsible_match in api::classify_login_error, useless_borrows_in_formatting in dirs::runtime_dir, map_unwrap_or in commands::search, and uninlined_format_args (x2) plus borrow_as_ptr in rbw-agent::debugger.

The collapsible_match fix turns the "" arm of classify_login_error into a guarded arm. Behavior is unchanged: when the guard is false the value falls through to the existing _ => {}, which is what the inner if already did.

MSRV stays at 1.82: &raw const is stable in 1.82 and Result::is_ok_and in 1.70.

CI note

With this branch the lint job now gets past cargo clippy and cargo fmt --check for the first time, and then fails at its third step, cargo deny check, on RustSec advisories in Cargo.lock (bytes integer overflow, two quick-xml DoS advisories, rand unsoundness, four rustls-webpki advisories, and yanked spin). Those are independent of this change and need a dependency refresh, which seemed like your call rather than something to fold in here.

Test plan

• cargo clippy --all-targets --all-features -- -Dwarnings (clean; was 8 errors)
• cargo fmt --check
• cargo test --all-features
• Verified against stable 1.98.0, the same version CI resolves