Feat: add option to skip owner transfer of home-dir

Hey!
We see that some of our workspaces with large home-dirs uses quite a bit of time on the owner-transfer-step:

```log
#3: 🔄 Updating ownership of /home/coder...
#3: 🏡 Updated ownership of /home/coder! [2m1.175064722s]
```

This might be a somewhat extreme case, where the home-dir has a couple of `pipx`-installs, and `pyenv`-venvs. Where the home-dir has been prebuild, and comes with the image.
In our case this is already owned by the `coder`-user, and the ownership does not seem to be shifted to `root` on envbuild, so in this case, the ownership-transfer seems to be redundant.

So tested with removing the ownership-transfer (https://github.com/coder/envbuilder/blob/7eabaa4d876c3ce54f7271b6e68fea37b6719c66/envbuilder.go#L829-L842), and could not see any issues with ownership in our case. So if envbuilder had an option to disable that, that would be great