feat!: simplify default exclude pattern

[sheremet-va]

Description

The goal of this change is to remove other testing tools from the exclude pattern reducing the maintenance burden if the new such tool is released.

One of the things that we recommend in a situation where you use different folders for different testing tools is to use config.test.dir option instead of excluding folders by name since it is more performant.

Closes #3730
Closes #3102

This is technically a breaking change so we should probably postpone it until Vitest 4.

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