chore: ApiBuilder should support Default without a token

[polarathene]

When creating an API instance the current methods enforce checking for a local token file, even when you intend to provide your own via with_token(), thus finding a token is redundant, as is the info log of one missing being emitted.

• from_cache() calls cache.token() to set the token field in the builder.
• You cannot call with_token() prior, both default() and new() methods use the same initialization. Only workaround is to duplicate from_cache() and omit the token check.
• The token is later used by the private build_headers() method during the final build() call.

This PR changes:

• The Default impl for both sync/async structs to provide the same struct value except for the token field, leaving it as None by default. from_cache() will use the "Struct Update" syntax to spread the remaining default field values (this communicates more clearly what the method is actually modifying).
• The order of fields for the Api and ApiBuilder structs were grouped contextually for better visibility vs interleaved. Handled via a separate commit.

I've tried to minimize affecting anything else, but technically if someone was relying on ApiBuilder::default() before instead of ::new(), the only difference should be that token is not potentially set for them. Anyone who is using ::new() should be unaffected by this change.

---

Related: #54 (comment)