repl: fix terminal default setting

This makes sure that the described default behavior for the
`terminal` option is actually always used and not only when running
the REPL as standalone program.

The options code is now logically combined instead of being spread
out in the big REPL constructor.

PR-URL: https://github.com/nodejs/node/pull/26518


Reviewed-By: Lance Ball <lball@redhat.com>
Reviewed-By: Matteo Collina <matteo.collina@gmail.com>
Reviewed-By: Rich Trott <rtrott@gmail.com>
Reviewed-By: James M Snell <jasnell@gmail.com>