Optimize format usage

Per #112156, using `&` in `format!` may cause a small perf delay, so I tried to clean up one module at a time format usage. This PR includes a few removals of the ref in format (they do compile locally without the ref), as well as a few format inlining for consistency.

compiler/rustc_errors/src/lib.rs

@@ -1485,7 +1485,7 @@ impl HandlerInner {
                 let _ = self.fatal(errors);
             }
             (_, _) => {
-                let _ = self.fatal(format!("{}; {}", &errors, &warnings));
+                let _ = self.fatal(format!("{errors}; {warnings}"));
             }
         }