Simplify pre-commit usage

[MridulS]

This move the pre-commit config to use the inbuilt ruff formatter and ruff for linter all over HARK.

[llorracc]

@MridulS,

Sounds like a good idea, but tests are failing ...

[alanlujan91]

A quick look seems to indicate the failing tests are unrelated to @MridulS's changes. I'll take a look later today

[codecov]

Codecov Report

Attention: Patch coverage is 87.50000% with 4 lines in your changes are missing coverage. Please review.

Project coverage is 71.71%. Comparing base (df9b60c) to head (bca2586).

Files	Patch %	Lines
HARK/ConsumptionSaving/ConsRiskyContribModel.py	0.00%	2 Missing ⚠️
HARK/tests/OpenCLtest.py	0.00%	1 Missing ⚠️
HARK/utilities.py	0.00%	1 Missing ⚠️

Additional details and impacted files

@@            Coverage Diff             @@
##           master    #1396      +/-   ##
==========================================
- Coverage   71.72%   71.71%   -0.01%     
==========================================
  Files          84       83       -1     
  Lines       13910    13903       -7     
==========================================
- Hits         9977     9971       -6     
+ Misses       3933     3932       -1     

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[mnwhite]

Merging this now. The 4 lines alleged by codecov not to be covered don't appear to actually exist-- it won't show me any uncovered changes.