lib: migrate to getOptions in loaders.js

PR-URL: https://github.com/nodejs/node/pull/23455


Reviewed-By: Tobias Nießen <tniessen@tnie.de>
Reviewed-By: Gireesh Punathil <gpunathi@in.ibm.com>
Reviewed-By: Colin Ihrig <cjihrig@gmail.com>
Reviewed-By: Anna Henningsen <anna@addaleax.net>
Reviewed-By: Gus Caplan <me@gus.host>
Reviewed-By: Trivikram Kamat <trivikr.dev@gmail.com>