feat(theme): runtime custom theme ecosystem (graphics-only)

Runtime-loaded visual re-skin system (no client rebuild, real themes never
hit git). A theme = a folder on the server (theme.base.url) with a manifest +
CSS "pieces"; each piece is toggled from Settings > Themes (checkboxes). A
broken/404 piece auto-falls back to the default (per piece). Hotel-wide default
via ui-config theme.default (+ theme.default.pieces), per-user override in
localStorage (same pattern as the catalog style toggle).

- api/theme/ThemeManager: fetch index/manifest + inject/remove <link> + fallback
- hooks/theme/useThemes: state + persist + default-from-config + live apply
- components/theme/ThemeApplier: applies on boot (mounted in MainView)
- UserSettings: General/Themes tabs with theme selector + per-piece checkboxes
- custom-themes/: reference template (demo theme "Neon Viola" + README)
- .gitignore: public/custom-themes/ (real themes are never committed)

custom-themes/neon-viola/theme.json

@@ -0,0 +1,10 @@
+{
+  "name": "Neon Viola",
+  "author": "infinityhotel",
+  "pieces": [
+    { "id": "cards",     "name": "Finestre / Card",   "file": "cards.css" },
+    { "id": "chat",      "name": "Chat",              "file": "chat.css" },
+    { "id": "toolbar",   "name": "Toolbar",           "file": "toolbar.css" },
+    { "id": "catalog",   "name": "Catalogo",          "file": "catalog.css" }
+  ]
+}