Allow opting into VSCode config in create-cloudflare

[AggressivelyMeows]

Describe the solution

create-cloudflare enables a strange "file folding" mechanic in VSCode which is not explained, nor can be opted-out of prior to project creation. In my view, the purpose of a create tool is to create a project with the bare minimum to get working, not impose the creators own preferences upon the developer. While the solution is a simple delete of the settings.json file, its still frustrating to even have to do this when it shouldnt be there to begin with.

Alongside this, why enable observability by default when its a paid feature? Even if its "cheap", its still paid and should be explained to the end user.