fix(or_fun_call): respect MSRV for unwrap_or_default suggestion

The `unwrap_or_default()` method was introduced in Rust 1.16, but the lint was
suggesting it even when the MSRV was set to 1.15 or lower. This change adds an
MSRV check to ensure we only suggest `unwrap_or_default()` when the MSRV is at
least 1.16.

The fix:
1. Adds MSRV check in `check_unwrap_or_default` using `msrvs::STR_REPEAT` (Rust 1.16)
2. Adds MSRV parameter to the `check` function signature
3. Updates the call site to pass the MSRV parameter
4. Adds `#[allow(clippy::too_many_arguments)]` to handle the linter warning

Fixes #14876 (unwrap_or_default MSRV issue)

Author: poglesbyg

clippy_lints/src/methods/or_fun_call.rs

@@ -33,6 +33,7 @@ pub(super) fn check<'tcx>(
     /// `or_insert(T::new())` or `or_insert(T::default())`.
     /// Similarly checks for `unwrap_or_else(T::new)`, `unwrap_or_else(T::default)`,
     /// `or_insert_with(T::new)` or `or_insert_with(T::default)`.
+    #[allow(clippy::too_many_arguments)]
     fn check_unwrap_or_default(
         cx: &LateContext<'_>,
         name: Symbol,
@@ -63,8 +64,8 @@ pub(super) fn check<'tcx>(
 
         let output_type_implements_default = |fun| {
             let fun_ty = cx.typeck_results().expr_ty(fun);
-            if let ty::FnDef(def_id, args) = fun_ty.kind() {
-                let output_ty = cx.tcx.fn_sig(def_id).instantiate(cx.tcx, args).skip_binder().output();
+            if let ty::FnDef(def_id, substs) = fun_ty.kind() {
+                let output_ty = cx.tcx.fn_sig(def_id).instantiate(cx.tcx, substs).skip_binder().output();
                 cx.tcx
                     .get_diagnostic_item(sym::Default)
                     .is_some_and(|default_trait_id| implements_trait(cx, output_ty, default_trait_id, &[]))