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Issue Description

Moving#8030 (reply in thread) into a standalone issue: users are going to want to be able to lint.eslintrc.cjs files without including them in thetsconfig.jsoncompilerOptions.allow andinclude. But the project service as-is provides a "blank slate" set of default compiler options when a file isn't included in a loadedtsconfig.json.

Proposal: if a file is included inallowDefaultProjectForFiles (added in#7752) and isn't given compiler options from a loaded TSConfig, instead give it the compiler options for the nearesttsconfig.json?

Reproduction Repository Link

https://github.com/JoshuaKGoldberg/repros/tree/ts-eslint-project-service-not-included

Repro Steps

1. clone the repo
2. npm install
3. npm lint

Versions