[PSI2FIR] split AbstractRawFirBuilderLazyBodiesTestCase on ast and stub versions

This commit explicitly splits raw fir builder in lazy mode on
AST and stubs.
By default, in tests we have an AST tree loaded, so all our
`disallowTreeLoading` is useless in unit tests mode

^KT-64646 Fixed
^KT-64898
^KT-64899
^KT-64900
^KT-64901

compiler/fir/raw-fir/psi2fir/testData/rawBuilder/declarations/dataClassWithAnnotations.kt

@@ -1,3 +1,4 @@
+// IGNORE_TREE_ACCESS: KT-64898
 @Anno("Derived $x")
 data class Derived @Anno("Derived constructor $x") constructor(
     @Anno("b $x")