You can precompute the indicator variables using the same method used by inlabru, with the MatrixModels model.Matrix method.
You can then use that as the A-matrix for a model=“iid” component where you set a fixed precision value. The system is very general, so theres more than one possible way to do it.
For mesh/SPDE models in particular, the inlabru interface was constructed to avoid the need for inla.stack on the user side of the code, and I consider using those models with the raw inla interface to be deprecated/obsolete, so I would encourage you to consider it.