util: validate formatWithOptions inspectOptions

This makes sure that the `inspectOptions` are validated. This could
otherwise cause confusion.

Fixes: https://github.com/nodejs/node/issues/29726

PR-URL: https://github.com/nodejs/node/pull/29824


Reviewed-By: Yongsheng Zhang <zyszys98@gmail.com>
Reviewed-By: James M Snell <jasnell@gmail.com>
Reviewed-By: Minwoo Jung <minwoo@nodesource.com>
Reviewed-By: Colin Ihrig <cjihrig@gmail.com>
Reviewed-By: Michaël Zasso <targos@protonmail.com>