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/preload/bridge.ts

@@ -92,10 +92,14 @@ const desktopBridge = {
       ipcRenderer.invoke("desktop:client-id", scope) as Promise<string>,
     runtimeSnapshot: () =>
       ipcRenderer.invoke("desktop:runtime-snapshot") as Promise<DesktopRuntimeSnapshot>,
+    runtimeAccountSnapshot: (accountId: string) =>
+      ipcRenderer.invoke("desktop:runtime-account-snapshot", accountId) as Promise<DesktopRuntimeSnapshot["accounts"][number] | null>,
     bindPublishAccount: (platformId: string) =>
       ipcRenderer.invoke("desktop:bind-publish-account", platformId) as Promise<DesktopAccountInfo>,
     refreshRuntimeAccounts: () =>
       ipcRenderer.invoke("desktop:refresh-runtime-accounts") as Promise<null>,
+    probeRuntimeAccount: (accountId: string) =>
+      ipcRenderer.invoke("desktop:probe-runtime-account", accountId) as Promise<DesktopRuntimeSnapshot["accounts"][number] | null>,
     openPublishAccountConsole: (account: {
       id: string;
       platform: string;
@@ -118,9 +122,9 @@ const desktopBridge = {
     setWindowMode: (mode: "login" | "main") =>
       ipcRenderer.invoke("desktop:set-window-mode", mode) as Promise<null>,
     onRuntimeInvalidated: (
-      listener: (event: { reason: "account-health"; at: number }) => void,
+      listener: (event: { reason: "account-health"; at: number; accountId?: string }) => void,
     ) => {
-      const wrapped = (_event: IpcRendererEvent, payload: { reason: "account-health"; at: number }) => {
+      const wrapped = (_event: IpcRendererEvent, payload: { reason: "account-health"; at: number; accountId?: string }) => {
         listener(payload);
       };
       ipcRenderer.on("desktop:runtime-invalidated", wrapped);