Add headerTopInsetEnabled prop that defaults to true to account for translucent status bars on Android

[brentvatne]

Follow up from #518 using @janicduplessis' suggested solution. The inset is applied by default to encourage developers to use translucent status bars on Android, which is typically a better experience for users and consistent with the iOS behavior.

[WoLewicki]

The situation handled here is the case where a user has his status bar set to translucent via RN StatusBar component with translucent={true} prop. In that case, the header's top padding is not applied properly which causes the content of the header to go under the status bar.

This PR introduces additional padding to the header, which is a BREAKING CHANGE and will cause the header to have too much top padding in case of not having a translucent status bar.

There are two ways to handle it:

1. Recommended - use translucent status bar via RN StatusBar component (if you already don't use it) - https://reactnative.dev/docs/statusbar#translucent. You can add this component somewhere in the entry point of your project and it should stay translucent on every screen then.
2. Set headerTopInsetEnabled to false (it is true by default) if you want an opaque status bar.