chore: refactor cli and coderd to use ClientOptions (#19763)

Refactors CLI and coderd to use the ClientBuilder pattern rather than directly instantiating the Client.

coderd/coderdtest/coderdtest.go

@@ -845,8 +845,7 @@ func createAnotherUserRetry(t testing.TB, client *codersdk.Client, organizationI
 		require.NoError(t, err)
 	}
 
-	other := codersdk.New(client.URL)
-	other.SetSessionToken(sessionToken)
+	other := codersdk.New(client.URL, codersdk.WithSessionToken(sessionToken))
 	t.Cleanup(func() {
 		other.HTTPClient.CloseIdleConnections()
 	})

coderd/insights_test.go

@@ -1467,8 +1467,7 @@ func TestUserActivityInsights_Golden(t *testing.T) {
 				TokenName: "no-password-user-token",
 			})
 			require.NoError(t, err)
-			userClient := codersdk.New(client.URL)
-			userClient.SetSessionToken(token.Key)
+			userClient := codersdk.New(client.URL, codersdk.WithSessionToken(token.Key))
 
 			coderUser, err := userClient.User(context.Background(), user.id.String())
 			require.NoError(t, err)

coderd/mcp_http.go

@@ -32,10 +32,9 @@ func (api *API) mcpHTTPHandler() http.Handler {
 			})
 			return
 		}
-		authenticatedClient := codersdk.New(api.AccessURL)
 		// Extract the original session token from the request
-		authenticatedClient.SetSessionToken(httpmw.APITokenFromRequest(r))
-
+		authenticatedClient := codersdk.New(api.AccessURL,
+			codersdk.WithSessionToken(httpmw.APITokenFromRequest(r)))
 		toolset := MCPToolset(r.URL.Query().Get("toolset"))
 		// Default to standard toolset if no toolset is specified.
 		if toolset == "" {

coderd/workspaceapps/apptest/setup.go

@@ -137,8 +137,7 @@ type Details struct {
 //
 // The client is authenticated as the first user by default.
 func (d *Details) AppClient(t *testing.T) *codersdk.Client {
-	client := codersdk.New(d.PathAppBaseURL)
-	client.SetSessionToken(d.SDKClient.SessionToken())
+	client := codersdk.New(d.PathAppBaseURL, codersdk.WithSessionToken(d.SDKClient.SessionToken()))
 	forceURLTransport(t, client)
 	client.HTTPClient.CheckRedirect = func(_ *http.Request, _ []*http.Request) error {
 		return http.ErrUseLastResponse