Set `XDG_CONFIG_HOME` in `with_real_home()` to isolate test config (#17456)
The `with_real_home()` method sets `HOME` to the real home directory,
which is required for tests that use the macOS keychain for
authentication. However, this causes a problem: when `HOME` is set but
`XDG_CONFIG_HOME` is not, uv resolves the config directory to
`$HOME/.config/uv` per the XDG specification. This means tests would
read the user's real configuration files (like `.python-version` or
`uv.toml`), which can override test-specified settings and cause
failures.
This PR sets `XDG_CONFIG_HOME` to the test's isolated config directory
in `with_real_home()`, ensuring that even when the real HOME is needed
for keychain access, configuration files are read from an isolated
location.
## Test plan
- Existing tests pass
- Tests using `with_real_home()` no longer read user config files