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/renderer/views/AiPlatformsView.vue

@@ -64,7 +64,11 @@ function authLabel(account: AccountRow | null) {
     case "revoked":
       return "已停用";
     default:
-      return account.probeState === "probing" ? "校验中" : "待校验";
+      return account.probeState === "queued"
+        ? "等待校验"
+        : account.probeState === "probing"
+          ? "校验中"
+          : "待校验";
   }
 }
 
@@ -84,7 +88,9 @@ function authColor(account: AccountRow | null) {
     case "expiring_soon":
       return account.probeState === "network_error" ? "warning" : "default";
     default:
-      return "default";
+      return account.probeState === "queued" || account.probeState === "probing"
+        ? "processing"
+        : "default";
   }
 }
 
@@ -108,6 +114,9 @@ function verificationLabel(account: AccountRow): string {
   if (account.lastVerifiedAt) {
     return formatVerifiedAtLabel(account.lastVerifiedAt);
   }
+  if (account.probeState === "queued") {
+    return "等待首轮校验";
+  }
   if (account.probeState === "probing") {
     return "正在执行首轮校验";
   }