False positive for Rails/SkipsModelValidations on safe navigated String#insert

[brkn]

Expected behavior

Rails/SkipsModelValidations to not match on String#insert when the object has safe navigation.

Actual behavior

Offenses:

title.rb:14:18: C: Rails/SkipsModelValidations: Avoid using insert because it skips validations.
@title_str&.insert(0, 'Prefixed')

Steps to reproduce the problem

class Title
  def initialize(title_str)
    @title_str = title_str
  end

  def prefixed_title
    @title_str.insert(0, 'Prefixed')
  end

  def safe_nav_gated_prefixed_title
    @title_str&.insert(0, 'Prefixed')
  end
end

RuboCop version

❯ be rubocop -V
1.63.5 (using Parser 3.3.1.0, rubocop-ast 1.31.3, running on ruby 3.2.2) [arm64-darwin22]
  - rubocop-factory_bot 2.25.1
  - rubocop-rails 2.24.1
  - rubocop-rspec 2.29.2
  - rubocop-rspec_rails 2.28.3