When diff finds an untracked directory, it emulates Git behavior
by looking inside the directory to see if there are any untracked
items inside it. If there are only ignored items inside the dir,
then diff considers it ignored, even if there is no direct ignore
rule for it.

Checkout was not copying this behavior - when it found an untracked
directory, it just treated it as untracked.  Unfortunately, when
combined with GIT_CHECKOUT_REMOVE_UNTRACKED, this made is seem that
checkout (and stash, which uses checkout) was removing ignored
items when you had only asked it to remove untracked ones.

This commit moves the logic for advancing past an untracked dir
while scanning for non-ignored items into an iterator helper fn,
and uses that for both diff and checkout.