path: don't load any files if --no-config is passed

`--no-config` should prevent loading any user files, whether it be
config, cache, watch_later state etc. This functionality was changed by
df758880e26c because internally `--no-config` is equivalent to passing
`--config-dir=""` which resulted in cache and state being auto-detected
even if `--no-config` was passed.

Fixes: df758880e26c ("path: don't override "cache" and "state" paths with configdir")