- Drop one leading '.' from the filename (before adding our own).
 - Drop one trailing '.' from a (possibly truncated) name prior to
   the .XXXXXX suffix being added.
 - Allow the temp-name to collapse to just the .XXXXXX suffix
   if the path is long enough to require that.

Note that we don't try to remove multiple dots from a filename
that actually has multiple consecutive dots, since we might as
well learn early if the final name is going to fail or not.