Update default gem usage for Ruby 3.4, fixes #5197 #2657

Job	Run time
system_tests	52s
javascript_test	32s
lint	36s
mongodb_test (gemfiles/mongoid_6.gemfile)	2m 4s
mongodb_test (gemfiles/mongoid_7.gemfile)	2m 12s
postgres_test (gemfiles/rails_master.gemfile, 3.3, 1)	1m 59s
test (Gemfile, 3.2)	1m 57s
postgres_test (gemfiles/rails_7.1_postgresql.gemfile, 3.3)	1m 49s
test (Gemfile, 2.7)	1m 49s
test (gemfiles/rails_7.0.gemfile, 3.1)	2m 27s
test (gemfiles/rails_master.gemfile, 3.2)	2m 44s
test (gemfiles/rails_7.0.gemfile, 3.2)	2m 7s
test (gemfiles/rails_7.1.gemfile, 3.3)	2m 31s
test (gemfiles/rails_master.gemfile, 3.3, 1)	2m 31s
test (gemfiles/rails_master.gemfile, 3.3, 1, 1)	2m 37s
	28m 47s

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