fix: accept a destination inside the device, and say so in --help

The script required the destination to be its own mount point, while the
documentation and its own usage text both told the user to pass
/media/IPOD/Music. The documented invocation was rejected.

A subdirectory is the better target, so the guard was what was wrong. --delete
is confined to it, and the device path budget is now derived from it -- the
part of the destination below its mount point -- rather than configured, so the
budget cannot disagree with where the files are actually going. The check that
matters is that the destination sits on a FAT filesystem, which is also what
catches an unmounted device: /media/IPOD/Music then resolves to the host's own
root filesystem, and emptying that is the outcome all of these guards exist to
prevent.

Three further faults found while testing the guards rather than reasoning about
them:

Stripping the trailing slash from "/" left an empty string, so the guard
refusing the host root never fired and the user got "destination is not a
directory" instead.

die() printed only its first argument, so the second half of the non-FAT
message -- the half saying to check whether the device is mounted -- was
silently dropped.

--help was not handled at all. Only -h reached the usage text, and it exited 2
to stderr, which is right for misuse and wrong for someone asking a question.
Help now goes to stdout and exits zero.

The usage text carries the guidance rather than only the README, since the
question it answers is asked at the terminal.

README.md

@@ -150,9 +150,15 @@ tools/sync-to-ipod.sh /mnt/tank/media/music-mp3 /media/IPOD/Music
 tools/sync-to-ipod.sh -n /mnt/tank/media/music-mp3 /media/IPOD/Music   # dry run
 ```
 
-It refuses to start unless the destination is a mounted FAT filesystem that is
-its own mount point, because `--delete` aimed at the wrong directory empties it
-and does not announce itself. It also excludes `/.rockbox`, the scrobbler logs
+The destination is where the artist folders should end up — normally a
+subdirectory such as `/media/IPOD/Music`, not the card root. A subdirectory is
+the better target: `--delete` is confined to it, and the device path budget is
+derived from it rather than configured, so the two cannot disagree.
+
+It refuses to start unless the destination is on a mounted FAT filesystem. That
+check is also what catches an unmounted device — `/media/IPOD/Music` then
+resolves to the host's own root filesystem, and this refuses to empty that.
+`--help` says all of it. It also excludes `/.rockbox`, the scrobbler logs
 and the various filesystem metadata directories from deletion — the mirror does
 not contain them, and without the exclusion a sync to the card root would
 remove the Rockbox install.