Avatars actually show; camera stops hugging the player

- SpringArm3D was colliding with the player's own capsule (same layer) ->
  camera yanked up against the head. add_excluded_object(self) in _ready +
  gentler default pitch, shorter arm, lower pivot.
- AvatarSystem.build_current_avatar() is now self-sufficient: loads the
  catalog itself and falls back to a bare default loadout if login didn't
  prime one. So the in-world player always shows an avatar, never the
  capsule, as long as the assets are packed (they are now).
- New AvatarSystem.assemble_avatar(): builds a standalone avatar with a
  throwaway loader, touching no shared state -- so it's safe to call once
  for the local player AND once per remote peer. (load_avatar()'s shared
  loader reset()s and freed the previous avatar on every call.)
- game.gd: remote players render as the assembled avatar too (shared default
  look, tinted per-peer, name tag) instead of a plain capsule.

Client-side -- rebuild the exe.

Co-Authored-By: Claude Sonnet 5 <noreply@anthropic.com>
Claude-Session: https://claude.ai/code/session_015jtxAiu5dAW4WxCNdGkrkJ

scripts/avatar/avatar_system.gd

@@ -270,6 +270,53 @@ func set_loadout_from_dict(loadout_dict: Dictionary) -> bool:
 ## into a scene (e.g. onto the in-world player). Returns null if there's no
 ## loadout or the catalog isn't loaded or assembly failed.
 func build_current_avatar() -> Node3D:
-	if current_loadout == null or not is_catalog_loaded:
+	# Self-sufficient: load the catalog if needed, and fall back to a bare
+	# default loadout when login didn't prime one -- the player should always
+	# get *an* avatar, never a placeholder capsule, as long as the assets exist.
+	if not ensure_catalog():
+		push_warning("AvatarSystem: catalog unavailable; cannot build avatar")
 		return null
-	return load_avatar(current_loadout)
+	if current_loadout == null:
+		var bases := get_assets_for_slot("base_body")
+		if bases.is_empty():
+			return null
+		set_loadout_from_dict({"base_body": bases[0], "slots": {}})
+	return assemble_avatar(current_loadout)
+
+
+## Assemble a standalone avatar node from [param loadout] using a throwaway
+## loader -- unlike load_avatar(), this touches no shared state, so it's safe
+## to call many times (local player + one per remote peer). Returns null only
+## if the assets are genuinely missing.
+func assemble_avatar(loadout) -> Node3D:
+	if loadout == null or not is_catalog_loaded:
+		return null
+	var validation := catalog.validate_loadout(loadout)
+	if not validation.valid:
+		push_warning("AvatarSystem: invalid loadout, skipping: %s" % str(validation.errors))
+		return null
+
+	var l = AvatarLoader.new()
+	l.init_loader(catalog)
+	var base := l.load_base_body(loadout.base_body)
+	if base == null:
+		l.free()
+		return null
+
+	for slot_id in AvatarSlotRegistry.SLOT_IDS:
+		var v = loadout.slots.get(slot_id)
+		if slot_id == "accessory":
+			if v is Array:
+				for aid in v:
+					if aid is String and not (aid as String).is_empty():
+						l.load_attachment(slot_id, aid)
+		elif v is String and not (v as String).is_empty():
+			l.load_attachment(slot_id, v)
+
+	for slot_id in AvatarSlotRegistry.BODY_PART_SLOTS:
+		var v = loadout.slots.get(slot_id)
+		if v is String and not (v as String).is_empty():
+			l.set_base_mesh_visible(slot_id, false)
+
+	l.free()
+	return base