permission denied regression reading extracted certs with multiple users

If it is necessary to [extract the certs from a zip file](https://github.com/psf/requests/blob/0e322af87745eff34caffe4df68456ebc20d9068/src/requests/utils.py#L296-L302), they'll be written to somewhere like `/tmp/cacert.pem`. This is problematic for subsequent users who may not have have permission to access this `/tmp/cacert.pem`

Seems related to https://github.com/psf/requests/pull/6667

Note, this issue was not present with version `2.31.0`

## Expected Result
two users should be able to extract zipped certs on the same filesystem without issue 

## Actual Result
```
Traceback (most recent call last):
  File "/usr/lib/python3.9/runpy.py", line 197, in _run_module_as_main
    return _run_code(code, main_globals, None,
  File "/usr/lib/python3.9/runpy.py", line 87, in _run_code
    exec(code, run_globals)
  File "/home/jamison/.../__main__.py", line 83, in <module>
  File "<frozen importlib._bootstrap>", line 1007, in _find_and_load
  File "<frozen importlib._bootstrap>", line 986, in _find_and_load_unlocked
  File "<frozen importlib._bootstrap>", line 664, in _load_unlocked
  File "<frozen importlib._bootstrap>", line 627, in _load_backward_compatible
  File "<frozen zipimport>", line 259, in load_module
  File "/home/jamison/..., line 22, in <module>
  File "<frozen importlib._bootstrap>", line 1007, in _find_and_load
  File "<frozen importlib._bootstrap>", line 986, in _find_and_load_unlocked
  File "<frozen importlib._bootstrap>", line 664, in _load_unlocked
  File "<frozen importlib._bootstrap>", line 627, in _load_backward_compatible
  File "<frozen zipimport>", line 259, in load_module
  File "/home/jamison/..., line 13, in <module>
  File "<frozen importlib._bootstrap>", line 1007, in _find_and_load
  File "<frozen importlib._bootstrap>", line 986, in _find_and_load_unlocked
  File "<frozen importlib._bootstrap>", line 664, in _load_unlocked
  File "<frozen importlib._bootstrap>", line 627, in _load_backward_compatible
  File "<frozen zipimport>", line 259, in load_module
  File "/home/jamison/.../pypi__39__requests_2_32_2/requests/__init__.py", line 164, in <module>
  File "<frozen importlib._bootstrap>", line 1007, in _find_and_load
  File "<frozen importlib._bootstrap>", line 986, in _find_and_load_unlocked
  File "<frozen importlib._bootstrap>", line 664, in _load_unlocked
  File "<frozen importlib._bootstrap>", line 627, in _load_backward_compatible
  File "<frozen zipimport>", line 259, in load_module
  File "/home/jamison/.../pypi__39__requests_2_32_2/requests/api.py", line 11, in <module>
  File "<frozen importlib._bootstrap>", line 1007, in _find_and_load
  File "<frozen importlib._bootstrap>", line 986, in _find_and_load_unlocked
  File "<frozen importlib._bootstrap>", line 664, in _load_unlocked
  File "<frozen importlib._bootstrap>", line 627, in _load_backward_compatible
  File "<frozen zipimport>", line 259, in load_module
  File "/home/jamison/.../pypi__39__requests_2_32_2/requests/sessions.py", line 15, in <module>
  File "<frozen importlib._bootstrap>", line 1007, in _find_and_load
  File "<frozen importlib._bootstrap>", line 986, in _find_and_load_unlocked
  File "<frozen importlib._bootstrap>", line 664, in _load_unlocked
  File "<frozen importlib._bootstrap>", line 627, in _load_backward_compatible
  File "<frozen zipimport>", line 259, in load_module
  File "/home/jamison/.../pypi__39__requests_2_32_2/requests/adapters.py", line 77, in <module>
PermissionError: [Errno 13] Permission denied
```

## Reproduction Steps

```shell
touch /tmp/test_utils.py
chown root:root /tmp/test_utils.py
python -m pytest test/test_utils.py
```

The full end-to-end steps are a bit involved. A,
`__main__,py`
```
import requests
```
as a standalone zip executable is enough to repro (though I haven't been able to repro with executables that unarchive themselves such as `zipapp` -- in this case, we're using something similar to google's [subpar](https://github.com/google/subpar)).

## System Information

    $ python -m requests.help

```json
{
  "chardet": {
    "version": null
  },
  "charset_normalizer": {
    "version": "3.3.2"
  },
  "cryptography": {
    "version": ""
  },
  "idna": {
    "version": "3.7"
  },
  "implementation": {
    "name": "CPython",
    "version": "3.12.3"
  },
  "platform": {
    "release": "6.6.32-1-lts",
    "system": "Linux"
  },
  "pyOpenSSL": {
    "openssl_version": "",
    "version": null
  },
  "requests": {
    "version": "2.32.3"
  },
  "system_ssl": {
    "version": "30300000"
  },
  "urllib3": {
    "version": "2.2.2"
  },
  "using_charset_normalizer": true,
  "using_pyopenssl": false
}
```


I think this is fundamentally the same issue as https://github.com/psf/requests/issues/5994 which was marked as won't fix.

Happy to contribute a fix if there is a satisfactory solution. In my case, the file permissions less of the issue and more so this file is not guaranteed to be owned by the current user. Possible solutions I see include:
- embed the user metadata into the filename. `/tmp/cacert.pem` becomes `/tmp/jamison_cacert.pem`. Not foolproof, but simple and resolves my issue.
- replace this `/tmp/cacert.pem` with a random temporary file (similar to what `certifi` would do). I'm not sure how long this file would need to live on disk, but maybe now [with preloading the certs](https://github.com/psf/requests/pull/6667), this file can be removed after this initial load.