`option_if_let_else` suggested fix is invalidated by borrow checker

Summary

No response

Reproducer

I tried this code:

    let metoame = tauste
        .iter()
        .filter(|(metoa, _, _)| {
            !metoa.is_empty() && !toadua.lines().any(|toa| toa == metoa.join(""))
        })
        .map(|(metoa, lujvo, def)| (metoa.join(""), lujvo, def))
        .map(|(metoa, lujvo, def)| (if let Some(t) = metoa.strip_prefix('\'') {t.to_string()}else{metoa}, lujvo, def))
        .collect_vec();

I expected to see this happen: Unknown

Instead, this happened:

warning: use Option::map_or instead of an if let/else
   --> src\main.rs:103:37
    |
103 |         .map(|(metoa, lujvo, def)| (if let Some(t) = metoa.strip_prefix('\'') {t.to_string()}else{metoa}, lujvo, def))
    |                                     ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ help: try: `metoa.strip_prefix('\'').map_or(metoa, |t| t.to_string())`
    |
    = help: for further information visit https://rust-lang.github.io/rust-clippy/master/index.html#option_if_let_else
    = note: `-W clippy::option-if-let-else` implied by `-W clippy::nursery`
    = help: to override `-W clippy::nursery` add `#[allow(clippy::option_if_let_else)]`

Accepting this suggestion yields an [E0505]:

error[E0505]: cannot move out of `metoa` because it is borrowed
   --> src\main.rs:103:69
    |
103 |         .map(|(metoa, lujvo, def)| (metoa.strip_prefix('\'').map_or(metoa, |t| t.to_string()), lujvo, def))
    |                -----                -----                    ------ ^^^^^ move out of `metoa` occurs here
    |                |                    |                        |
    |                |                    |                        borrow later used by call
    |                |                    borrow of `metoa` occurs here
    |                binding `metoa` declared here

Version

rustc 1.88.0-nightly (00095b3da 2025-04-03)
binary: rustc
commit-hash: 00095b3da4f23d9b3e7a809ac6a4e2b2530df84c
commit-date: 2025-04-03
host: x86_64-pc-windows-msvc
release: 1.88.0-nightly
LLVM version: 20.1.2

Additional Labels

@rustbot label +I-suggestion-causes-error

Start at the option_if_let_else lint entry point and reproduce the reported metoa example with the shown Rust version. Check that the suggested Option::map_or replacement compiles without E0505, and validate the corrected suggestion against this reproducer.