`kctrl package install … --dry-run --ytt-overlay-file …` does not stamp out overlays

**What steps did you take:**

I am using `kctrl` to stamp out package installation resources and pipe those into `ytt` (or `kapp`):

```
kctrl package install \
… \
--ytt-overlay-file overlays.yaml \
--dry-run \
| ytt -f -
```

**What happened:**

The overlay-related resources are not stamped out. As if `--ytt-overlay-file overlays.yaml` is ignored.

**What did you expect:**

The overlay-related resources are stamped out.

**Anything else you would like to add:**

The reason is that `o.DryRun` [short-circuits](https://github.com/carvel-dev/kapp-controller/blob/606e658868de2b2c1b40ec01a91938528be618a2/cli/pkg/kctrl/cmd/package/installed/create_or_update.go#L228) before [overlays are processed](https://github.com/carvel-dev/kapp-controller/blob/606e658868de2b2c1b40ec01a91938528be618a2/cli/pkg/kctrl/cmd/package/installed/create_or_update.go#L276).

**Environment:**

```
❯ kctrl --version
kctrl version 0.48.1

Succeeded
```

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Start in cli/pkg/kctrl/cmd/package/installed/create_or_update.go around the DryRun short-circuit and the later overlay-processing code. Reproduce the reported kctrl package install command with --dry-run and pipe its output to ytt. Done means the dry-run output includes resources generated from --ytt-overlay-file overlays.yaml.

Written by the indexing model from the issue text.