feat(image): add support for custom `loaderFile` when `loader: default` (#53417)
Image Optimization API currently does not work if a custom loaderFile is specified in next.config.js, even if loader is explicitly set to 'default', because it is currently being overridden to 'custom' simply because a loaderFile is specified. This is unnecessary and causing the Image Optimization API routes not to be initialized since the change to the config happens before the routes are initialized.
[Sandbox Reproduction](https://codesandbox.io/p/sandbox/purple-pine-t7hhgl?file=%2Fimage-loader.js%3A8%2C1)
- Fixes #53415