tool_cb_wrt: use "curl_response" if no file name in URL

Use the same fallback for content-disposition cases as for regular -O

Add test692: verify -JO with URL without a file name

tool_cb_wrt: use "curl_response" if no file name in URL

Use the same fallback for content-disposition cases as for regular -O

Add test692: verify -JO with URL without a file name

Reported-by: Brian Inglis
Fixes #14939
Closes #14940

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