When using templates to initialize a git repository, then git-init(1)
will copy over all contents of the template directory. These will be
preferred over the default ones created by git-init(1). While we mostly
do the same, there is the exception of "HEAD". While we do copy over the
template's HEAD file, afterwards we'll immediately re-initialize its
contents with either the default "ref: refs/origin/master" or the init
option's `initial_head` field.

Let's fix the inconsistency with upstream git-init(1) by not overwriting
the template HEAD, but only if the user hasn't set `opts.initial_head`.
If the `initial_head` field has been supplied, we should use that
indifferent from whether the template contained a HEAD file or not. Add
tests to verify we correctly use the template directory's HEAD file and
that `initial_head` overrides the template.