While not directly related, this is how I use helm to install Rancher
https://managing.blue/2024/06/11/how-i-setup-rancher-these-days/
That way creation of the Ingress and the certificate is decoupled and you can manage them independently.
In the article I mention the HA Proxy for Ingress, but you can use any Ingress you like. Currently I have switched back to nginx and have experimented with Traefik too.