[Bug] use xml configration can't set protocol to tri

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- [X] I am sure that all the content I provide is in English.

### Search before asking

- [X] I had searched in the [issues](https://github.com/apache/dubbo/issues?q=is%3Aissue) and found no similar issues.

### Apache Dubbo Component

Java SDK (apache/dubbo)

### Dubbo Version

Dubbo Java 3.2.10

### Steps to reproduce this issue

application.properties

dubbo.consumer.mesh-enable: true

consumer.xml

but

### What you expected to happen

use dubbo prorocol in xml configration.
so how to configration triple protocol in xml?

### Anything else

_No response_

### Are you willing to submit a pull request to fix on your own?

- [ ] Yes I am willing to submit a pull request on my own!

### Code of Conduct

- [X] I agree to follow this project's [Code of Conduct](https://www.apache.org/foundation/policies/conduct)

Start by reproducing the issue with Dubbo Java 3.2.10 using the shown application.properties and consumer.xml configuration. Trace how the XML dubbo:reference handles protocol="tri" and compare it with the supported triple-protocol configuration. Done means the XML configuration successfully selects the tri protocol without the reported error.

Written by the indexing model from the issue text.