FIX: Bookmark auto delete preference usage and default value (#19707)

This commit fixes an issue where the chat message bookmarks
did not respect the user's `bookmark_auto_delete_preference`
which they select in their user preference page.

Also, it changes the default for that value to "keep bookmark and clear reminder"
rather than "never", which ends up leaving a lot of expired bookmark
reminders around which are a pain to clean up.

plugins/chat/assets/javascripts/discourse/components/chat-message.js

@@ -723,11 +723,7 @@ export default Component.extend({
   toggleBookmark() {
     return openBookmarkModal(
       this.message.bookmark ||
-        Bookmark.create({
-          bookmarkable_type: "ChatMessage",
-          bookmarkable_id: this.message.id,
-          user_id: this.currentUser.id,
-        }),
+        Bookmark.createFor(this.currentUser, "ChatMessage", this.message.id),
       {
         onAfterSave: (savedData) => {
           const bookmark = Bookmark.create(savedData);