PC3 Phase 1.2: placeholder avatar asset pack + make the loader actually assemble

assets/avatars/catalog.json referenced 14 GLB files that were never in the
repo, so the avatar system could not load a single avatar. And the loader's
assembly path had never run against a real skeleton -- it called
Skeleton3D.has_bone() (no such method in Godot 4) and hand-copied bones in a
way that dropped the skin binding.

- scripts/tools/gen_placeholder_avatars.gd: generates the pack headlessly via
  GLTFDocument -- one rigged/skinned base body (the full 24-bone canonical
  rig from a T-pose) + 13 primitive attachments. Crude on purpose; real art
  swaps in as a pure content change (catalog paths unchanged).
- assets/avatars/*.glb: the generated pack (checked in).
- avatar_loader.gd: rewrote _parse_glb_as_avatar to lift the skin-bound
  Skeleton3D that generate_scene() already produces, instead of rebuilding it.
  Attachments now mount via BoneAttachment3D to the catalog's mount_bone and
  are actually added to the avatar tree (they were parsed then dropped).
  Fixed the has_bone() crash, the null ARRAY_BONES cast in _retarget_skin,
  and the Array[String] type mismatch on the accessory list.
- smoke_test_avatar_system.gd: replaced the "asserts it fails gracefully
  because the files don't exist" section with a real assembly check --
  Skeleton3D present, full 24-bone rig, canonical bones resolve by name,
  visible body mesh, equipped items mounted to bones. 14/14 from a cold cache.

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

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