CASSANDRA-21196: Include tools in applyCompatibilityMode check

[thisteensy]

## CASSANDRA-21196: Include tools in applyCompatibilityMode check

### Problem
The `applyCompatibilityMode()` method only checked `isClientInitialized()` 
when setting `StorageCompatibilityMode.NONE`, despite the comment stating 
"tools or clients should not limit the sstable formats they support." 
Tools were inadvertently falling through to the `else if` branch and 
potentially having their sstable format support restricted.

### Solution
Added `isClientorToolInitialized()` to the condition so tools correctly receive 
`StorageCompatibilityMode.NONE`, consistent with the existing behavior 
for clients.

patch by Tina Haiser; reviewed by <Reviewers> for CASSANDRA-21196

The Cassandra Jira

[driftx]

This is fine but there is a convenience method isClientOrToolInitialized also.

[thisteensy]

I fixed that. Both 5.1 and 5.0 are updated now.