SIL: fix the ownership computation of `struct_extract` and `tuple_extract`
A struct or tuple value can have "none" ownership even if its type is not trivial.
This happens when the struct/tuple contains a non-trivial enum, but it's initialized with a trivial enum case (e.g. with `Optional.none`).
```
%1 = enum $Optional<String>, #Optional.none!enumelt
%2 = struct $S (%32) // has ownership "none"
%3 = struct_extract %2, #S.x // should also have ownership "none" and not "guaranteed"
```
So far it got "guaranteed" ownership which is clearly wrong.
Fixes an assertion crash in redundant load elimination.
https://github.com/swiftlang/swift/issues/80430
rdar://148311534