Don't pre-insert draft-only reports under the confirmation RHP

A draft-only report (the expense chat of a freshly created draft workspace)
can't render as a report screen, so pre-inserting it stranded users on an
infinite skeleton when backing out of "Submit to my employer" before
submitting. Skip the REPORT_DRAFT fallback in the pre-insert readiness check.
Fixes Expensify#96117.

Author: abzokhattab

src/pages/iou/request/step/IOURequestStepConfirmation.tsx

@@ -559,8 +559,13 @@ function IOURequestStepConfirmation({
         // Don't pre-insert if the report is already showing - it would push a duplicate route.
         const hasValidDestination = !!destinationReportID && Navigation.getTopmostReportId() !== destinationReportID;
 
-        // The report must be in Onyx so the pre-inserted screen can render immediately.
-        const isDestinationReportLoaded = !!destinationReportID && !!getReportOrDraftReport(destinationReportID, undefined, undefined, undefined, destinationReport)?.reportID;
+        // The report must be in the REPORT collection so the pre-inserted screen can render immediately. A draft-only
+        // report (e.g. the expense chat of a freshly created draft workspace in the zero-workspace "Submit to my
+        // employer" flow) can't render — the report screen only reads COLLECTION.REPORT — so pre-inserting one would
+        // strand the user on an infinite skeleton if they back out before submitting. Passing an empty draft to
+        // getReportOrDraftReport skips its REPORT_DRAFT fallback while keeping the module-cache fallback for
+        // real reports that useOnyx hasn't hydrated yet.
+        const isDestinationReportLoaded = !!destinationReportID && !!getReportOrDraftReport(destinationReportID, undefined, undefined, {}, destinationReport)?.reportID;
 
         const shouldPreInsertReport = canUseReportPreInsert && isOutsideRHP && hasValidDestination && isDestinationReportLoaded;