fix missing delay calculation
user: settings.h --> settings-example.h & cleanup

Moving settings.h to settings-example.h and modifying Makefile to copy
it to settings.h if it doesn't already exist.  This way, it's still
friendly to build (and wont clober your settings if you've modified
them) but wont track your configuration in the repo (since it's really
local).

Added user/settings.h to .gitignore

Renaming output file from user/mcp2210 to user/mcp2210-util
user: save spi output to file

So when sending spi messages, we're now respecting -o and writing the
output to file, or stdout if it isn't a tty.  Since your spi message may
have multiple transfers, it will create and truncate the file when
writing the output of the first transfer and append thereafter.
disable gpio checks from board config

I think we may need to remove gpio from the pin configuration because it
appears redundant with the chip settings that the mcp2210 already
manages.