feat(desktop-client): queue account probes and report health to server

Replace serial probe-on-lock with a bounded probe queue (concurrency 3) that
adds a "queued" probe state, manual cooldown, and retry backoff. After each
probe the runtime debounces a batched POST to the new
/desktop/accounts/health-reports endpoint so the server learns about live,
expired, and risk transitions without waiting for a re-bind. Adds an
account-scoped IPC (probeRuntimeAccount + runtimeAccountSnapshot) so the
renderer can refresh a single row instead of replaying the full snapshot,
and exposes the resulting "重新校验" action in AccountsView/AiPlatformsView.

Co-Authored-By: Claude Opus 4.7 (1M context) <noreply@anthropic.com>

apps/desktop-client/src/main/runtime-events.ts

@@ -3,14 +3,19 @@ type RuntimeInvalidationReason = "account-health";
 type RuntimeInvalidationListener = (event: {
   reason: RuntimeInvalidationReason;
   at: number;
+  accountId?: string;
 }) => void;
 
 const listeners = new Set<RuntimeInvalidationListener>();
 
-export function emitRuntimeInvalidated(reason: RuntimeInvalidationReason): void {
+export function emitRuntimeInvalidated(
+  reason: RuntimeInvalidationReason,
+  details: { accountId?: string } = {},
+): void {
   const event = {
     reason,
     at: Date.now(),
+    ...details,
   } as const;
 
   for (const listener of listeners) {
@@ -31,4 +36,3 @@ export function onRuntimeInvalidated(listener: RuntimeInvalidationListener): ()
     listeners.delete(listener);
   };
 }
-