fix: raise during checkpoint creating with without_files

[ion-elgreco]

Description

• If explicitly creating checkpoint, we raise
• If checkpoint creation called in post_commit_hook, we warn

Related Issue(s)

• closes Write operations with without_files lead to data loss due to checkpointing #3049

Documentation

[codecov]

Codecov Report

Attention: Patch coverage is 54.54545% with 5 lines in your changes missing coverage. Please review.

Project coverage is 72.64%. Comparing base (dc1c556) to head (b68bf6f).
Report is 2 commits behind head on main.

Files with missing lines	Patch %	Lines
crates/core/src/protocol/checkpoints.rs	50.00%	3 Missing ⚠️
crates/core/src/operations/transaction/mod.rs	60.00%	2 Missing ⚠️

Additional details and impacted files

@@            Coverage Diff             @@
##             main    #3059      +/-   ##
==========================================
- Coverage   72.68%   72.64%   -0.04%     
==========================================
  Files         129      129              
  Lines       41573    41584      +11     
  Branches    41573    41584      +11     
==========================================
- Hits        30216    30208       -8     
- Misses       9397     9406       +9     
- Partials     1960     1970      +10     

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[rtyler]

this is silly