feat: calculate transaction pay totals if no quotes

[matthewwalsh0]

Explanation

Calculate totals using required tokens and target transaction network fee even when there are no quotes, in order to reduce duplication in clients.

References

Related to #6160

Checklist

• I've updated the test suite for new or updated code as appropriate
• I've updated documentation (JSDoc, Markdown, etc.) for new or updated code as appropriate
• I've communicated my changes to consumers by updating changelogs for packages I've changed, highlighting breaking changes as necessary
• I've prepared draft pull requests for clients and consumer packages to resolve any breaking changes

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Note

Calculates totals using transaction gas fee when no quotes are returned, refactors quote building/fetching, updates sync logic, tests, and changelog.

• Transaction Pay Utils:
  • Totals: calculateTotals now takes a single params object including transaction/messenger; falls back to transaction gas cost for target network fees when quotes are empty.
  • Quotes: Extracts buildQuoteRequests and getQuotes; always computes totals; improves logging; syncTransaction no-ops if paymentToken is undefined.
• Tests:
  • Update totals.test to mock gas cost and cover no-quotes case.
  • Update quotes.test to expect state clearing and quotesLastUpdated set when no payment token and to match new request building.
• Changelog:
  • Adds note about calculating totals when no quotes are received.

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