v0.32.4 — close the structural pricing gap, and the rest of the 'stated as fact, never checked' class

The second half of the 0.32.3 audit: the structural gap behind five of its
pricing bugs, plus the remaining "reported as fact, never verified" defects.

• fix(verify-prices) — the gate now covers PARAMETERIZED routes. Every
  pricing defect the audit found was on a route whose price depends on an
  argument, and verify:prices covered the flat routes exactly (20/20) and
  none of those. That was the single structural finding behind five separate
  bugs. It now probes image sizes per model, exa per-URL counts, and chat with a
  100k-character prompt — 28 routes, 0 under-reserving. Probes may declare
  allowOver where a conservative reserve is the design (chat cannot know which
  model a tier settles on), but under-reserving still fails the release.
• fix(image) — a 2048 render was billed at the 4096 price. The large-size
  tier was a single >1024 rule for every model. Probed live, nano-banana-pro
  charges $0.107001 at both 1024 and 2048 and only steps to $0.159500 at
  4096 — so a 2048 render over-reserved by 49% and, on the Base path where
  the estimate is written to the ledger verbatim, over-booked it permanently.
  Thresholds are now per-model.
• fix(polymarket) — two "stated as fact, never checked" reports. An RPC
  failure was coerced to $0.00 and printed as "your Base wallet holds $0.00
  USDC — top up first" to a user holding $200; it now refuses to fund blind. And
  any non-403 from the CLOB — 502, 404, 429 from a misconfigured host — rendered
  as "✅ Region: order placement permitted" + "🎯 Ready to trade", cached 10
  minutes, so the user funded before the first buy failed; only 400/401/422 (what
  a working CLOB returns for an empty body) now count as permitted.
• fix(polymarket) — a redeem with an unreadable balance no longer looks
  paid. When the pUSD read failed, paidOut went null, which also made the
  "paid $0 while holding a winner" guard unreachable — and the success message
  simply omitted the payout line, rendering identically to a verified payout.
  That is the size=0 silent-loss shape this module was rewritten to kill. It now
  says the payout is UNVERIFIED and exposes payoutVerified in structured output.
• fix(realface) — a failed portrait lookup claimed "none enrolled". The
  RealFace half surfaced its own failure; the Virtual Portrait half collapsed to
  an empty list and prompted a duplicate $0.01 enroll of an asset that already
  existed.
• fix(polymarket) — two of three Polygon RPCs were dead. Probed with a real
  eth_call: llamarpc fails DNS, polygon-rpc.com returns 401 "tenant disabled",
  and 1rpc is rate-limited. fallback() depth was effectively 1 while ~9 reads x
  4 retries piled onto one throttled endpoint. Now publicnode + drpc + 1rpc, all
  verified live. The comment claiming the list is "read-only" is also gone —
  POLYGON_RPC_URLS[0] is the sole un-fallbacked transport for every signing
  client, so reordering it is a write-path change.
• fix(chat) — mode:"free" built two clients and used one. The eager
  buildClient() was dead on the only shape that reaches the routing loop; on
  Solana it re-ran loadSolanaWallet()'s home-directory scan every call.
• docs — tool descriptions quoted pre-fee bases. The description is the
  only pricing an LLM sees at call time, and it disagreed with both the reserve
  logic and the skills (which commit ff32cb4 had already corrected). Exa and
  DefiLlama rows now quote the charged price. README's Surf endpoint count was
  84; code and the skill catalog both say 83.
• 207 tests, typecheck, build and verify:prices (28/28) green.