As part of https://github.com/discourse/discourse/pull/36678, topic.tags now returns an array of tag objects ({ id, name, slug }) instead of an array of tag name strings.
The core change will break the auto_TOC_tags feature which was comparing the configured tag names against topic.tags using includes(), which no longer worked since it was comparing strings to objects.
This fix normalizes topic.tags to an array of tag names before comparison, maintaining backwards compatibility with both the old string format and the new object format.
* FEATURE: Allow TOC for replies
This commit adds an optional setting that allows enabling a TOC for
replies. TOCs for replies are not affected by autoTOC settings like
`auto_TOC_tags` and must be inserted manually.