Refresh usage after reset expiry

[cbusillo]

Summary

• Treat usage lanes whose resetsAt + 10s has passed as refresh-needed instead of waiting for normal snapshot age staleness.
• Add persisted reset-expiry retry state so a stuck/same expired reset window retries after 30s, then falls back to normal cadence without tight loops.
• Shorten the refresh-agent sleep to the next reset/retry deadline when it is sooner than the normal background interval.
• Include the new reset-expiry state file in runtime reset/baseline cleanup checks.

Refs #199

Validation

• swift test
• zsh -n scripts/context-panel-runtime-baseline.sh
• scripts/commit-gate.sh

Review Notes

• Agent review found and I fixed a zero-sleep loop where suppressed retry state could still choose an already-past reset deadline.
• Agent review found and I fixed partial refreshes consuming another account's pending retry.
• Follow-up re-review found and I fixed lock-contention deferral so .skippedAlreadyRunning does not spin while another refresh holds the lock.