Draft: Ensure that all factories work with `build_stubbed`

Peter Leitzenrequested to merge
pl-spec-factories-build-stubbed into master

What does this MR do and why?

Use build explicitly in factories with skip_create where inline associations won't work.

Contributes to #418188.

How to set up and validate locally

bin/rspec ee/spec/models/factories_spec.rb -e stubbed

MR acceptance checklist

This checklist encourages us to confirm any changes have been analyzed to reduce risks in quality, performance, reliability, security, and maintainability.

Edited by Peter Leitzen

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