Live docs: chat-system says what people wear in chat (name effects, particles, hats, community badges, voices from OpenVibe.Inventory) and where it comes from (#62)

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  - Server is the source of truth with local cache fallback
  - Settings persist across devices via `GET/PUT /api/auth/preferences`
  
++### What people wear
++A chat line shows what its sender wears from [OpenVibe.Inventory](https://inventory.openvibe.network). Live is the
++issuer of the `live.*` kinds; the Workshop's community badges are `network.badge`.
++- **Name effects** (`nameFX`): a CSS class on the name, such as Rainbow or Glitch (`public/css/cosmetics.css`).
++- **Particles** (`particleFX`): a burst around the name.
++- **Hats** (`hatFX`): an emoji before the name.
++- **Community badges** (`badgeFX`): the badge's reviewed image, from OpenVibe.Media, before the name.
++- **Voices** (`voiceFX`): the TTS voice preset.
++
++OpenVibe.Chat asks Live for these through `POST /internal/chat-context/decor`. Live reads Inventory 100 people at a
++time and keeps each answer 30 seconds (`server/monetization/inventory-client.js`), and an Inventory outage just leaves
++names plain. People earn items through OpenVibe.Quest's quest rewards, or are given community badges by their makers
++in the Workshop. Nothing is bought or sold. The same items show on openvibe.chat, Community and Network profiles, drawn
++by `openvibe-shared` `items.js`.
++
  ### Text-to-Speech (TTS)
  - Site-wide server-generated TTS audio
  - Self-hosted browser-voice TTS