PC3 Phase 1.3: backend avatar loadout persistence

New avatar_loadouts table (one row per user, loadout stored as a single
JSONB document matching the client's AvatarLoadout.to_json() shape) and
GET/PUT /api/avatar/loadout.

The server has no copy of the asset catalog, so it validates only the
envelope (JSON object, non-empty base_body, object slots, size cap) --
which-asset-in-which-slot validation stays client-side. New accounts get a
server default (base_human_male_01, no slots) with is_default:true so the
client can tell "never customised" from "customised back to base".

- models/avatar_loadout.py + 0004 migration + User.avatar_loadout relation
- routers/avatar.py wired into main.py
- tests/test_avatar_loadout.py (7 tests: default, save/read, replace,
  validation, auth) -- full suite 68 passed
- lifted the duplicated _override_db fixture from 3 test files into
  conftest.py (new test files need it too)
- docs/architecture/avatar.md §9a: the persistence design

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

backend/app/models/user.py

@@ -24,6 +24,12 @@ class User(Base):
     refresh_tokens = relationship("RefreshToken", back_populates="user", cascade="all, delete-orphan")
     worlds = relationship("World", back_populates="owner")
     assets = relationship("Asset", back_populates="owner")
+    avatar_loadout = relationship(
+        "AvatarLoadout",
+        back_populates="user",
+        uselist=False,
+        cascade="all, delete-orphan",
+    )
 
     @property
     def is_adult(self) -> bool: