Remove startup quota contention and speed up switching for v1.0.10

[squarepots]

Summary

• Keep startup quota requests outside the credential-operation lock while waiting for the provider. Recheck saved identity and credential generation before committing the result.
• Read saved account secrets from one Stronghold session at startup and skip unchanged credential or metadata writes during a switch.
• Show the verified active account immediately after switching, without a full workspace reload or a banner that pushes the account grid down. Brief success notices elsewhere float and dismiss automatically.
• Synchronize the desktop, JavaScript, and Cargo versions to 1.0.10.

Validation

• pnpm build
• pnpm exec vitest run src/App.test.tsx (65 passed)
• cargo test --lib (129 passed, 1 ignored)
• pnpm run version:check
• cargo fmt --all -- --check

No real account, Wake, or reset-credit operation was performed. Maintainer use of the published installer remains the product acceptance check.