enhance: Add schema update time verification for insert and upsert to use cache

[JsDove]

enhance: Add schema update time verification for insert and upsert to use cache
issue: #39093

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[codecov]

Codecov Report

All modified and coverable lines are covered by tests ✅

Project coverage is 69.53%. Comparing base (aceb972) to head (580fb0c).

❗ Current head 580fb0c differs from pull request most recent head f69e405

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HEAD has 7 uploads less than BASE

Flag	BASE (aceb972)	HEAD (580fb0c)
	8	1

Additional details and impacted files

@@             Coverage Diff             @@
##           master   #39096       +/-   ##
===========================================
- Coverage   81.18%   69.53%   -11.65%     
===========================================
  Files        1390      296     -1094     
  Lines      196755    26607   -170148     
===========================================
- Hits       159732    18502   -141230     
+ Misses      31442     8105    -23337     
+ Partials     5581        0     -5581     

Components	Coverage Δ
Client	∅ <ø> (∅)
Core	69.53% <ø> (ø)
Go	∅ <ø> (∅)

see 1094 files with indirect coverage changes

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