[CI] test.yml - use `bundle exec`, use setup-ruby bundler-cache, fixes Windows issue #1054

Job	Run time
openssl-1.0.2u	2m 29s
openssl-1.1.0l	1m 33s
openssl-1.1.1w	1m 44s
openssl-3.0.13	3m 9s
openssl-3.1.5	2m 53s
openssl-3.2.1	3m 17s
openssl-3.3.0	3m 27s
libressl-3.1.5	2m 8s
libressl-3.2.7	2m 17s
libressl-3.3.6	2m 18s
libressl-3.4.3	2m 35s
libressl-3.5.3	2m 29s
libressl-3.6.3	2m 16s
libressl-3.7.3	2m 18s
libressl-3.8.4	2m 17s
libressl-3.9.1	2m 5s
openssl-3.0.13 fips	2m 48s
openssl-3.1.5 fips	2m 49s
openssl-3.2.1 fips	3m 10s
openssl-3.3.0 fips	3m 21s
openssl-head	3m 29s
openssl-head fips	3m 23s
openssl-head no-legacy	3m 53s
ruby-versions / Generate Ruby versions	3s
ubuntu-22.04 2.7	59s
ubuntu-22.04 3.0	1m 3s
ubuntu-22.04 3.1	1m 2s
ubuntu-22.04 3.2	1m 3s
ubuntu-22.04 3.3	57s
ubuntu-22.04 head	1m 0s
ubuntu-22.04 truffleruby	2m 21s
ubuntu-22.04 truffleruby-head	1m 53s
ubuntu-20.04 2.7	1m 1s
ubuntu-20.04 3.0	51s
ubuntu-20.04 3.1	56s
ubuntu-20.04 3.2	58s
ubuntu-20.04 3.3	55s
ubuntu-20.04 head	52s
ubuntu-20.04 truffleruby-head	1m 50s
macos-latest 2.7	49s
macos-latest 3.0	40s
macos-latest 3.1	49s
macos-latest 3.2	44s
macos-latest 3.3	44s
macos-latest head	38s
macos-latest truffleruby-head	1m 19s
windows-latest 2.7	4m 42s
windows-latest 3.0	4m 57s
windows-latest 3.1	5m 4s
windows-latest 3.2	4m 55s
windows-latest 3.3	4m 54s
windows-latest head	4m 2s
windows-latest ucrt	3m 47s
windows-latest mswin	2m 49s
	2h 0m 45s

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