### Preflight Checklist

- [X] I have read the [Contributing Guidelines](https://github.com/electron/electron/blob/master/CONTRIBUTING.md) for this project.
- [X] I agree to follow the [Code of Conduct](https://github.com/electron/electron/blob/master/CODE_OF_CONDUCT.md) that this project adheres to.
- [X] I have searched the [issue tracker](https://www.github.com/electron/electron/issues) for a feature request that matches the one I want to file, without success.

### Electron Version

main

### What operating system are you using?

All OSes.

### What arch are you using?

All archs.

### Last Known Working Electron version

N/A

### Expected Behavior

[`ElectronBrowserClient::GetDefaultDownloadDirectory()`](https://github.com/electron/electron/blob/main/shell/browser/electron_browser_client.cc#L1013-L1019) is hardcoded to return `~/Downloads`. However, this might not be the actual downloads directory path (eg: if the user has changed it or on OSes which translate user directory names).

The proper way to get the current user's downloads directory is OS-dependent:
- On Linux it is set in the env var `$XDG_DOWNLOAD_DIR` 
- On Windows it is returned by [`SHGetKnownFolderPath`](https://docs.microsoft.com/en-us/windows/win32/api/shlobj_core/nf-shlobj_core-shgetknownfolderpath) passing in `FOLDERID_Downloads`
- On MacOS it is returned by [`URLForDirectory`](https://developer.apple.com/documentation/foundation/nsfilemanager/1407693-urlfordirectory) passing in `NSDownloadsDirectory`

### Current Behavior

`~/Downloads` is [hardcoded](https://github.com/electron/electron/blob/main/shell/browser/electron_browser_client.cc#L1013-L1019).

shell/browser/electron_browser_client.cc
#include "base/stl_util.h"
#include "base/strings/string_number_conversions.h"
#include "base/strings/string_util.h"
#include "base/strings/utf_string_conversions.h"
#include "base/task/post_task.h"
#include "chrome/browser/browser_process.h"
#include "chrome/common/chrome_paths.h"
#include "chrome/common/chrome_switches.h"
#include "chrome/common/chrome_version.h"
#include "components/net_log/chrome_net_log.h"
#include "components/network_hints/common/network_hints.mojom.h"
#include "content/browser/site_instance_impl.h"  
#include "content/public/browser/browser_main_runner.h"
#include "content/public/browser/browser_ppapi_host.h"
#include "content/public/browser/browser_task_traits.h"
#include "content/public/browser/client_certificate_delegate.h"
#include "content/public/browser/login_delegate.h"
#include "content/public/browser/overlay_window.h"
#include "content/public/browser/render_frame_host.h"
#include "content/public/browser/render_process_host.h"
#include "content/public/browser/render_view_host.h"
#include "content/public/browser/service_worker_version_base_info.h"
#include "content/public/browser/site_instance.h"
#include "content/public/browser/tts_controller.h"
#include "content/public/browser/tts_platform.h"
#include "content/public/common/content_descriptors.h"
#include "content/public/common/content_paths.h"
#include "content/public/common/content_switches.h"
#include "content/public/common/url_constants.h"
#include "electron/buildflags/buildflags.h"