bug: git init error with unsafe repositories

[Tomsoz]

Provide environment information

System:
OS: Windows 11 10.0.22621
CPU: (8) x64 Intel(R) Core(TM) i3-10100F CPU @ 3.60GHz
Memory: 18.12 GB / 31.87 GB
Binaries:
Node: 20.18.2 - C:\Program Files\nodejs\node.EXE
Yarn: 1.22.22 - C:\Program Files (x86)\Yarn\bin\yarn.CMD
npm: 11.2.0 - C:\Program Files\nodejs\npm.CMD
pnpm: 9.15.4 - C:\Program Files\nodejs\pnpm.CMD
bun: 1.2.10 - ~.bun\bin\bun.EXE

Describe the bug

When git init runs in create-t3-app I get the following error message

× Failed: could not initialize git. Update git to the latest version!

My git version is git version 2.49.0.windows.1 so that is not the issue.
The issue is

fatal: detected dubious ownership in repository at 'F:/test/ct3a'
'F:/fdfsd/fdgdfghfdg' is on a file system that does not record ownership
To add an exception for this directory, call:

        git config --global --add safe.directory F:/test/ct3a

It's because the filesystem that it is running on is FAT32 so it doesn't record ownership, this could also technically happen if you try and run a git command in a folder you don't own.

The error message in here could be more clear as this did confuse me for a while.
The message shown is marked as Safeguard, should be unreachable so checking for this specific error type or changing that message to something more clear would be helpful

Reproduction repo

n/a

To reproduce

1. Format a drive with FAT32
2. Run pnpm create t3-app@latest
3. Select Yes for Should we initialize a Git repository and stage the changes?
4. Wait for the packages to install and you should see the error message
5. Manually try and run a git command in the project's directory and you will see the real error message.

Additional information

No response