Review multi-modal input handling to send URLs when possible and don't error on types that are actually supported

### Description

- OpenAI Responses always downloads `FileUrl`s and sends them as `file_data`, but they support `file_url` now.
- Anthropic errors on `text/plain` `BinaryContent`, but this is supported now
- We should always respect `force_download`
- There likely is more

### References

_No response_