When WHATSAPP_FORWARD_OWNER_MESSAGES is enabled and the bridge marks an
inbound message with fromOwner=true, also prefix MessageEvent.text with
"[owner reply] " at construction time. This makes the disambiguation
survive any downstream plugin failure (e.g. handover-rule errors that
bypass silent_ingest), so transcripts never misattribute owner-typed
text to the customer.
Idempotent: re-applies are guarded so a future producer that pre-tags
text won't be double-prefixed.