os: return an error from UserHomeDir to match UserCacheDir

UserHomeDir used to return an empty string if the corresponding
environment variable was not set. Changed it to return an error if the
variable is not set, to have the same signature and behaviour as UserCacheDir.

Fixes #28562

Change-Id: I42c497e8011ecfbbadebe7de1751575273be221c
Reviewed-on: https://go-review.googlesource.com/c/150418


Run-TryBot: Tobias Klauser <tobias.klauser@gmail.com>
TryBot-Result: Gobot Gobot <gobot@golang.org>
Reviewed-by: Ian Lance Taylor <iant@golang.org>