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

首先阅读 envbuilder.go 中大约第 829-842 行的内容，那里会转移 /home/coder 的所有权。跟踪现有选项的定义方式以及它们如何传递给这一步，然后添加一个跳过转移的选项，同时保留当前的默认行为。当该选项可用，并且启用该选项时省略所有权转移步骤，即表示完成。

由索引模型根据 Issue 内容生成。