unnecessary_wraps is too strict

The recently introduced unnecessary_wraps lint is quite strict, and sometimes the affected function cannot be refactored. An example is when the function is used for #[serde(default)]:

fn field_default() -> Option<i32> {
    Some(42)
}

#[derive(serde::Deserialize)]
struct S {
    #[serde(default = "field_default")]
    field: Option<i32>,
}

It is a bit unfortunate having to allow the clippy lint explicitly. I was wondering if you would consider to add a function naming pattern that ignores the lint, such as an _opt suffix or a try_ prefix.

Review the existing unnecessary_wraps lint and the #[serde(default)] example first. Decide whether an _opt suffix or try_ prefix should be supported, then run the relevant lint checks to verify that the chosen naming pattern handles this case without weakening other diagnostics.