url_with_return_to only checked that return_to started with a forward
slash, which also allowed protocol-relative values like //host and
/\host. Rails 7.1 already refuses to follow those via redirect_to, so
the user just saw a 500. Reject the same shapes in the helper instead
so we fall back to the default URL cleanly.
Adds a sessions request spec covering the rejected shapes plus the
happy-path relative redirect.