pass `Settings` by reference in checks #19869

Job	Run time
build_cmake (ubuntu:25.10, true, true)	4m 27s
build_make (alpine:3.23)	5m 51s
build_make (ubuntu:25.10)	4m 24s
build_cmake (alpine:3.23, false, false)	4m 20s
build_cmake (ubuntu:24.04, true, true)	3m 57s
build_make (ubuntu:24.04)	4m 17s
	27m 16s

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