Fixed crash if .gitconfig missing/user not set

[spiralx]

The generator was crashing while trying to get the default answers if the file .gitconfig wasn't present or lacking the user.name setting, which I fixed. When running under Windows it wasn't picking up any of the user's home directory or username either, so I changed it to get those correctly.

[chrisenytc]

Thank you for your contribution. :+1:

[dydycloud]

nice work!!