v1.108.82 — faster list-repos (lazy git probe) + org_savings.db exclusion

Cockpit/list-repos performance + correctness. Two changes since 1.108.80:

1.108.82 — Exclude org_savings.db from list_repos. The team-SKU org-rollup store (org_savings.db) sits in ~/.code-index/ next to per-repo index DBs, but only telemetry.db was excluded — so it surfaced as a phantom local/org_savings repo (sym 0) that could never be deleted. Now excluded alongside telemetry.db.

1.108.81 — Lazy git identity probe in get_watch_status / list-repos. list-repos resolved each repo's reindex-state key up front via a git identity probe (~1 subprocess/repo), scaling to 60s+ on many-repo hosts. But that state is in-memory only (a cold CLI has none), so the probe yielded nothing. It's now gated on has_any_reindex_state() and skipped on the cold path; output shape unchanged, watcher/server processes with state still resolve keys (#353 visibility preserved).

No INDEX_VERSION bump. Full matrix green (ubuntu/windows × py3.10-3.13).