fix: exclude orphan coop close balances

[ovitrif]

Fixes #1041
Refs #599
Refs #808

This PR fixes the transient Spending balance overstatement after a cooperative channel close by excluding orphaned cooperative-close claimables from the displayed Lightning total.

Description

• Subtracts orphaned COOP_CLOSE ClaimableAwaitingConfirmations balances when the channel no longer exists locally and no active transfer owns that channel.
• Keeps the existing active close-transfer behavior intact, so active cooperative closes are still hidden from Spending without showing a duplicate in-transfer amount, and force-close claimables keep using the existing transfer-to-savings flow.
• Stops settling transfer-to-savings rows when balances are unavailable, so a failed balance fetch no longer looks like "LDK balance swept."
• Adds a changelog fragment for the wallet-total correction.

Preview

QA Notes

Manual Tests

• 1. master baseline → same wallet/app data with an orphan cooperative-close claimable and a new Spending channel → Home: Spending incorrectly includes both the orphan close amount and the new channel amount; record before.mp4.
• 2. PR branch verification → install ovi/fix-1041-orphan-coop-close over the same app data, without uninstalling or clearing storage → Home: Spending shows only the new channel amount, while Savings/on-chain still reflects the closing funds; record after.mp4.
• 3. regression: Active cooperative close transfer → Home balances: transfer-to-savings amount stays hidden from Spending without showing a duplicate in-transfer amount.
• 4. regression: Active force-close transfer with pending sweep → Home balances: transfer-to-savings progress remains visible until sweep detection settles it.

Automated Checks

• Unit tests added/updated: DeriveBalanceStateUseCaseTest.kt covers orphan COOP_CLOSE subtraction and non-coop-close claimables staying in Lightning.
• Unit tests added/updated: TransferRepoTest.kt covers not settling transfer-to-savings and cooperative-close transfers when balances are unavailable.
• Local verification: just compile, just test, just lint, and git diff --check; just lint still reports the existing HwWalletRepoTest.kt LargeClass finding.

[ovitrif]

Redundant channel resolution for non-close transfers. transferChannelIds is built from ALL active transfers, but its only purpose is to guard against treating a channel with an active close-related transfer as orphaned.

Scoped the orphan guard’s transfer lookup to isToSavings() transfers, so it only resolves close/to-savings entries before comparing orphan cooperative-close claimables.

Resolved in 76f5132