gh-104310: Rename the New Function in importlib.util (gh-105255)

The original name wasn't as clear as it could have been. This change includes the following:

* rename the function
* change the default value for "disable_check" to False
* add clues to the docstring that folks should probably not use the function

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Co-authored-by: Kirill Podoprigora <kirill.bast9@mail.ru>