I just want to say thank you for this thread, it saved us A LOT of time!
We had issues with a third party plugin not able to perform SSL verification on cooked builds on MacOS and UE 5.3.
The solution for us was settings those certificates as RuntimeDependencies for the plugin, so after cook, those non USF files will be staged with the build.
That being said, the other mentioned solutions can possibly work as well.