https://github.com/go-gitea/gitea/pull/38406 stopped setting
`ServerName` on the internal API client, which
https://github.com/go-gitea/gitea/pull/5820 had added for ACME. Internal
requests to a local `LOCAL_ROOT_URL` now send SNI `localhost` (or none
for IPs). The ACME listener selects its certificate by SNI, finds none
and aborts the handshake with `tls: internal error`, breaking SSH access
and git hooks.
Send the `ROOT_URL` host as SNI again for local targets, and treat
unspecified addresses (`0.0.0.0`, `::`) as local since dialing them
reaches the local host. Remote targets are still verified against their
own hostname.
Fixes: https://github.com/go-gitea/gitea/issues/38903
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Co-authored-by: silverwind <me@silverwind.io>
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