create: Fix non-deterministic conflict detection in hugo new content
The contentInclusionFilter used strings.Contains to match filenames
against the target path. Because strings.Contains is a substring check,
a directory entry like "content/about" matches "content/about.md",
causing unrelated files to be pulled into the mini-build. Whether the
conflict was then detected depended on whether the filesystem walker
delivered a directory entry or a full file path.
Also adds an upfront check for the directory-conflict case, since
a corrected filter alone would allow about.md to be created alongside
an existing about/ directory.