[ty] Fix disjointness checks with type-of `@final` classes (#21770)
## Summary
We currently perform a subtyping check, similar to what we were doing
for `@final` instances before
https://github.com/astral-sh/ruff/pull/21167, which is incorrect, e.g.
we currently consider `type[X[Any]]` and `type[X[T]]]` disjoint (where
`X` is `@final`).