[PR #11714/0d77d0d6 backport][3.14] Fix loading netrc when NETRC env var is not set

[patchback]

This is a backport of PR #11714 as merged into master (0d77d0d).

What do these changes do?

I optimized this one a bit too much assuming NETRC would always be set in #11634

fixes #11713

Are there changes in behavior for the user?

fix regression

Is it a substantial burden for the maintainers to support this?

no

[codspeed-hq]

CodSpeed Performance Report

Merging #11728 will not alter performance

_{Comparing patchback/backports/3.14/0d77d0d64461bd9c98b30fb1f5ab246bb58f2b4e/pr-11714 (07a3476) with 3.14 (381334b)¹}

Summary

✅ 59 untouched

Footnotes

1. No successful run was found on 3.14 (6d22d3a) during the generation of this report, so 381334b was used instead as the comparison base. There might be some changes unrelated to this pull request in this report. ↩

[codecov]

Codecov Report

✅ All modified and coverable lines are covered by tests.
⚠️ Please upload report for BASE (3.14@6d22d3a). Learn more about missing BASE report.

Additional details and impacted files

@@           Coverage Diff           @@
##             3.14   #11728   +/-   ##
=======================================
  Coverage        ?   98.19%           
=======================================
  Files           ?      128           
  Lines           ?    43880           
  Branches        ?     2386           
=======================================
  Hits            ?    43088           
  Misses          ?      611           
  Partials        ?      181           

Flag	Coverage Δ
CI-GHA	98.08% <100.00%> (?)
OS-Linux	97.84% <100.00%> (?)
OS-Windows	95.54% <100.00%> (?)
OS-macOS	97.07% <100.00%> (?)
Py-3.10.11	96.60% <100.00%> (?)
Py-3.10.18	97.10% <100.00%> (?)
Py-3.11.13	97.35% <100.00%> (?)
Py-3.11.9	96.85% <100.00%> (?)
Py-3.12.10	96.94% <100.00%> (?)
Py-3.12.11	97.45% <100.00%> (?)
Py-3.13.7	97.44% <100.00%> (?)
Py-3.13.9	96.92% <100.00%> (?)
Py-3.14.0	97.65% <100.00%> (?)
Py-3.14.0t	96.74% <100.00%> (?)
Py-pypy3.10.16-7.3.19	89.90% <100.00%> (?)
VM-macos	97.07% <100.00%> (?)
VM-ubuntu	97.84% <100.00%> (?)
VM-windows	95.54% <100.00%> (?)

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