NewChecker now takes *CheckerOptions (ManifestPath, BasePath, Fs), named
like ScannerOptions. A nil Fs still means the OS filesystem, as before and
as in ScannerOptions; nil options or an empty path return an error naming
the missing path.
Audit of the other exported constructors in mfer: NewManifestFromFile took
a filesystem and a path positionally; it now takes
*ManifestFromFileOptions (Path, Fs) with the same nil and empty rules.
NewBuilder and NewScanner take no arguments, NewScannerWithOptions already
takes options, and NewManifestFromReader takes one reader, which the style
guide exempts; these are unchanged.
Model: opus-5-5