Shallow fix only, but improved rationalization

 - Never save guest credentials
 - Don't save password in options if it's in the keystore

This reverts commit 76ae877d.

refs toon.avi

avoids failing with delayed start tracks

(otherwise drops packets)

Fix storing a 1st level path.

- pf_readdir will return an encoded item.
- decode the url at opening.

- pf_readdir will return an encoded item.
- decode the url at opening.

GCC coverage does not like exec*().