Also made Makefile actually portable.

Instead of expecting a `USER_CODE` symbol to be set, we expect `.org` to be
set in all userspace glue code. This gives us more flexibility with regards to
how we manage that.

Moreover, instead of making `USER_RAMSTART` mandatory, we make it default to
the end of the binary, which is adequate in a majority of cases.

Will be useful for my upcoming mega-commit... :)

The goal is to avoid mixing those routines with "character devices"
(acia, vpd, kbd) which aren't block devices and have routines that
have different expectations.

This is a first step to fixing #64.

scas, it's not needed any more.

A new app to stress test the SD card driver. Also, accompanying this
commit, changes solidifying the SD card driver so that stress tests
actually pass :)