In plugins/fs/src/file_path.rs SafeFilePath::from_str, any string that
parsed as a URL with a scheme of 2+ characters was a URL, so a relative
path such as `notes:2024.txt` became a cannot-be-a-base URL and failed
with InvalidPathUrl.
Cannot-be-a-base URLs are now parsed as paths. The scheme-agnostic
url.to_file_path() stays: its result is scope checked (not a bypass).
Unit test for the parser; e2e spec writes and reads such a file (not on
Windows, where `:` is not allowed in file names).