Follow-up to the reply-reference fix: ensure errors unrelated to the reply
reference (e.g. 50013 Missing Permissions) do NOT trigger the no-reference
retry path and still surface as a failed SendResult. Keeps the wider retry
condition from silently swallowing unrelated API errors.
Proposed in the original issue writeup (#11342) as test case
`test_non_reference_errors_still_propagate`.