Allow alternate $HOME to be used by CLI to support run inside JFrog artifactory plugin

[tsemachh]

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Description

When running inside JFROG artifactory $HOME is wrong so clio is failing on creating the .checkmarx folder
We changed from user.HomeDir to os.UserHomeDir()
On Unix: user.HomeDir might read from /etc/passwd while os.UserHomeDir() uses $HOME
On Windows: Both generally use similar APIs but os.UserHomeDir() is more direct

Recommendation:

os.UserHomeDir() is preferred since Go 1.12 unless you specifically need other user information
It's simpler, more efficient, and handles edge cases better

References

Include supporting link to GitHub Issue/PR number

Testing

Tried to override the $HOME and saw that CLI was creating directory in the right place

Checklist

• I have added documentation for new/changed functionality in this PR (if applicable).
• I have updated the CLI help for new/changed functionality in this PR (if applicable).
• All active GitHub checks for tests, formatting, and security are passing
• The correct base branch is being used

[github-actions]

Checkmarx One – Scan Summary & Details – 09f5cf79-43b8-4204-85a0-8c24a09dc5a2

Great job, no security vulnerabilities found in this Pull Request