Do you think we could drop some of these short methods (`configured_checks`, `configured_warnings`, `array_or_default`) in favor of plain Ruby control flow?

```ruby
def self.checks_to_run
  @checks_to_run ||= find_plugins(get_config(:checks))
end

def self.warnings_to_run
  @warnings_to_run ||= find_plugins(get_config(:warnings))
end

def self.get_config(type)
  get_git_config(type) || self.class.const_get("DEFAULT_#{type.upcase}")
end

def self.get_git_config(name)
  value = `git config pre-commit.#{name}`.chomp
  value.empty? ? nil : value.split(/,\s*/).map(&:to_sym)
end
```