In some packagings, Skiko (+its data file) will be placed alongside
the other shared libraries used by the JVM. This has some advantages
with respect to code signing, and also avoids a .skiko directory
littering the user's home directory. That's especially important on
Windows where dotfiles/dotdirs don't work.

The system property still overrides this.
Co-authored-by: Mike Hearn <mike@hydraulic.software>