helm dep up --skip-refresh crash for repos that weren't added prior to dep update

[antoinedeschenes]

Repoening #11001

helm dep up --skip-refresh still fails for missing repos even though #11369 was resolved.

Steps to reproduce:

$ helm create test
$ cd test
$ cat << EOF >> Chart.yaml 
dependencies:
- name: mysql
  version: "^8.0.29"
  repository: "https://charts.bitnami.com/bitnami/"
EOF

$ helm dep up --skip-refresh .
Error: no cached repository for helm-manager-18e255b69e00fd26e162cb50e07897f40240e1ed2aca7c1c49fd669a4f5157b2 found. (try 'helm repo update'): open ~/Library/Caches/helm/repository/helm-manager-18e255b69e00fd26e162cb50e07897f40240e1ed2aca7c1c49fd669a4f5157b2-index.yaml: no such file or directory

Output of helm version:

version.BuildInfo{Version:"v3.14.3", GitCommit:"f03cc04caaa8f6d7c3e67cf918929150cf6f3f12", GitTreeState:"clean", GoVersion:"go1.22.1"}

[antoinedeschenes]

Similar to #12920 although the error message is different. I believe the presence of Chart.lock changes the behavior.