Docker when mounting a configuration file into a Windows exposes the
file with permission 0777. These world writable files are ignored by
by MariaDB.

Add the access check such that filesystem RO or immutable file is
counted as sufficient protection on the file.

Test:
$ mkdir /tmp/src
$ vi /tmp/src/my.cnf
$ chmod 666 /tmp/src/my.cnf
$ mkdir /tmp/dst
$ sudo mount --bind /tmp/src /tmp/dst -o ro
$ ls -la /tmp/dst
total 4
drwxr-xr-x.  2 dan  dan   60 Jun 15 15:12 .
drwxrwxrwt. 25 root root 660 Jun 15 15:13 ..
-rw-rw-rw-.  1 dan  dan   10 Jun 15 15:12 my.cnf
$ mount | grep dst
tmpfs on /tmp/dst type tmpfs (ro,seclabel,nr_inodes=1048576,inode64)

strace client/mariadb --defaults-file=/tmp/dst/my.cnf

newfstatat(AT_FDCWD, "/tmp/dst/my.cnf", {st_mode=S_IFREG|0666, st_size=10, ...}, 0) = 0
access("/tmp/dst/my.cnf", W_OK)         = -1 EROFS (Read-only file system)
openat(AT_FDCWD, "/tmp/dst/my.cnf", O_RDONLY|O_CLOEXEC) = 3

The one failing test, but this isn't a regression, just not a total fix:

$ chmod u-w /tmp/src/my.cnf
$ ls -la /tmp/src/my.cnf
-r--rw-rw-. 1 dan dan 18 Jun 16 10:22 /tmp/src/my.cnf
$ strace -fe trace=access client/mariadb --defaults-file=/tmp/dst/my.cnf
access("/etc/ld.so.preload", R_OK)      = -1 ENOENT (No such file or directory)
access("/etc/system-fips", F_OK)        = -1 ENOENT (No such file or directory)
access("/tmp/dst/my.cnf", W_OK)         = -1 EACCES (Permission denied)
Warning: World-writable config file '/tmp/dst/my.cnf' is ignored

Windows test (Docker Desktop ~4.21) which was the important one to fix:

dan@LAPTOP-5B5P7RCK:~$ docker run --rm  -v /mnt/c/Users/danie/Desktop/conf:/etc/mysql/conf.d/:ro -e MARIADB_ROOT_PASSWORD=bob quay.io/m
ariadb-foundation/mariadb-devel:10.4-MDEV-27038-ro-mounts-pkgtest ls -la /etc/mysql/conf.d
total 4
drwxrwxrwx 1 root root  512 Jun 15 13:57 .
drwxr-xr-x 4 root root 4096 Jun 15 07:32 ..
-rwxrwxrwx 1 root root   43 Jun 15 13:56 myapp.cnf

root@a59b38b45af1:/# strace -fe trace=access mariadb
access("/etc/ld.so.preload", R_OK)      = -1 ENOENT (No such file or directory)
access("/etc/mysql/conf.d/myapp.cnf", W_OK) = -1 EROFS (Read-only file system)