Check existing memiavl config before setting default

[masih]

Check PrefetchThreshold is unset or out of range before falling back on default.

Remove unconditional override of SnapshotKeepRecent.

[github-actions]

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Build	Format	Lint	Breaking	Updated (UTC)
✅ passed	✅ passed	✅ passed	✅ passed	Feb 21, 2026, 11:49 PM

[codecov]

Codecov Report

✅ All modified and coverable lines are covered by tests.
✅ Project coverage is 43.44%. Comparing base (cd62fb7) to head (a433b4b).
⚠️ Report is 1 commits behind head on release/v6.3.

Additional details and impacted files

@@               Coverage Diff                @@
##           release/v6.3    #2948      +/-   ##
================================================
- Coverage         43.47%   43.44%   -0.03%     
================================================
  Files              1866     1866              
  Lines            155379   155380       +1     
================================================
- Hits              67546    67506      -40     
- Misses            81795    81833      +38     
- Partials           6038     6041       +3     

Flag	Coverage Δ
sei-chain	42.51% <ø> (-0.02%)	⬇️
sei-cosmos	38.21% <ø> (ø)
sei-db	45.22% <100.00%> (-0.06%)	⬇️
sei-ibc-go	55.96% <ø> (ø)
sei-tendermint	47.57% <ø> (-0.09%)	⬇️
sei-wasmd	41.56% <ø> (ø)
sei-wasmvm	39.88% <ø> (ø)

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Files with missing lines	Coverage Δ
sei-db/sc/memiavl/opts.go	100.00% <100.00%> (ø)

... and 13 files with indirect coverage changes

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