如何在兼容Linux、Mac和Windows的Java (JavaFX)中计算用户编写的设置文件的文件路径？

import java.io.File;

public class SettingsFilePathCalculator {
    public static String calculateFilePath(String fileName) {
        String os = System.getProperty("os.name").toLowerCase();
        String userHome = System.getProperty("user.home");
        String filePath;

        if (os.contains("win")) {
            filePath = userHome + File.separator + "AppData" + File.separator + fileName;
        } else if (os.contains("mac")) {
            filePath = userHome + File.separator + ".config" + File.separator + fileName;
        } else if (os.contains("nix") || os.contains("nux") || os.contains("sunos")) {
            filePath = userHome + File.separator + ".config" + File.separator + fileName;
        } else {
            // 默认使用用户目录作为文件路径
            filePath = userHome + File.separator + fileName;
        }

        return filePath;
    }

    public static void main(String[] args) {
        String fileName = "settings.txt";
        String filePath = calculateFilePath(fileName);
        System.out.println("Settings file path: " + filePath);
    }
}