fix(wave-3): audit fixes — ACL guards, presence, moderation, theming perf

Wave-3 bug-hunt fixes (findings in LOTUS_TODO), reviewed + gate-green:
- 🔴 ACL editor [H1–H4]: block saving an empty allow-list (was a one-click
  federation brick), warn on self-ban (case-insensitive glob match of
  mx.getDomain() vs allow/deny), accept real globs (1.2.3.*, *.evil.*), and
  gate Save behind a confirm dialog.
- 🔴 [P1] room context menu no longer acts on the wrong room after a live
  reorder (key by roomId, not list index). 🔴 [P2] status writes no longer
  force presence to online over Invisible/DND (shared presenceStateFromSetting).
- 🟠 [P3] timed mutes restored on boot; [P4] custom-status auto-clear now fires
  (always-mounted StatusExpiryMonitor); [P5] timezone also PUT to the m.tz
  profile field so it's visible to others; [H6] RoomInsights single-pass
  min/max (was Math.min(...spread) stack overflow); [H7/H8] mod-log labels.
- 🟡 [P6/P7] favorites collapse+filter, [P8] charCount reset, [P9] DM preview
  refresh on decrypt; theming [T-P1] lazy decorations, [T-P2] drop the redundant
  always-on body animation, [T-P4] live useReducedMotion, [T-P5] decoration key.
- NATIVE-CINNY LAW: notification presets + Powers permissions use folds icons.

DEFERRED: [H5] invite-QR is fetched from api.qrserver.com (third-party leak);
local generation needs a bundled QR lib (not added). tsc/eslint/prettier clean,
build OK, 677 tests.

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>

src/app/features/settings/account/ProfileDecoration.tsx

@@ -50,7 +50,7 @@ function DecorationPreviewCell({
       <img
         src={`${DECORATION_CDN}/${slug}.png`}
         alt={name}
-        loading="eager"
+        loading="lazy"
         decoding="async"
         style={{
           position: 'absolute',