Before You File a Bug Report Please Confirm You Have Done The Following...

• I have tried restarting my IDE and the issue persists.
• I have updated to the latest version of the packages.
• I have searched for related issues and found none that matched my issue.
• I have read the FAQ and my problem is not listed.

Issue Description

Moving #8030 (reply in thread) into a standalone issue: users are going to want to be able to lint .eslintrc.cjs files without including them in the tsconfig.json compilerOptions.allow and include. But the project service as-is provides a "blank slate" set of default compiler options when a file isn't included in a loaded tsconfig.json.

Proposal: if a file is included in allowDefaultProjectForFiles (added in #7752) and isn't given compiler options from a loaded TSConfig, instead give it the compiler options for the nearest tsconfig.json?

Reproduction Repository Link

https://github.com/JoshuaKGoldberg/repros/tree/ts-eslint-project-service-not-included

Repro Steps

1. clone the repo
2. npm install
3. npm lint

Versions