feat(vip): skeleton loading state and faster modal/site startup

The VIP purchase/renew modal opened with a single "loading..." line, which
reads as a hang while /pay/vip/modal round-trips. Every frontend pageview
also paid an option write inside wp_head, and the header user-card CSS was
enqueued even for guests who never see the card.

pay-vip.js now builds a full-layout skeleton (user box, level tabs, the
two-column package panel) from vipSkeleton(), reusing the global
aksrt-modal-runtime__skeleton line/block classes; the VIP-specific shapes
live in the conditionally loaded vip-modal.css, and the 640px two-column
threshold matches .pay-vip-form-row. The modal cache TTL goes 15s -> 60s
(purchase, card-pass redeem and points exchange already invalidate the
vip tag), and hover/focus on a .pay-vip trigger now prefetches the payload
through the same cacheKey and flight openRemote uses, so a warm click
opens instantly.

The bottom note and the whole help_text pipeline behind it are removed; the
admin-editable pay_user_vip_desc still renders at the top of the modal, and
the recharge/gateway help_text keys are untouched. get_catalog() reads
points and wallet balance through one new LedgerService::points_and_balance()
call. The StatsTracker counter write moves to shutdown so wp_head only does
the visitor check and setcookie, and header-userbox.css is enqueued for
logged-in users only.

Verification: node --test across the suite (628 tests, including the 7 new
contract assertions in tests/widget-system/vip-modal-skeleton.test.cjs) and
php -l on every changed PHP file. No visual acceptance performed, per request.

src/Content/VipServiceModal.php

@@ -115,7 +115,6 @@ trait VipServiceModal {
             'prefer_level' => $prefer_level,
             'catalog' => [
                 'desc' => (string) ($catalog['desc'] ?? ''),
-                'help_text' => (string) ($catalog['help_text'] ?? ''),
                 'more' => (string) ($vip['more'] ?? ''),
                 'currency_name' => (string) ($catalog['currency_name'] ?? ''),
                 'level_packages' => $groups,

src/Content/VipServicePurchase.php

@@ -232,21 +232,19 @@ trait VipServicePurchase {
             }
         }
 
-		$points_balance = $user_id > 0 ? \AKSRT\Ledger\LedgerService::get_instance()->balance($user_id, \AKSRT\Ledger\AssetType::POINTS) : 0;
-		$wallet_balance = $user_id > 0 ? \AKSRT\Ledger\LedgerService::get_instance()->balance_decimal($user_id) : '0.00';
+		$balances = \AKSRT\Ledger\LedgerService::get_instance()->points_and_balance($user_id);
         $methods = $this->available_payment_methods();
         $currency_name = class_exists('\AKSRT\Settings\Settings') ? \AKSRT\Settings\Settings::get_currency_name() : __('积分', 'aksrt');
 
         $catalog = [
             'enabled'            => !empty($vip['enabled']),
             'desc'               => (string) ($vip['desc'] ?? ''),
-            'help_text'          => (string) ($vip['help_text'] ?? ''),
             'user_level'         => $level,
             'user_expires'       => $expires,
             'user_is_permanent'  => $is_permanent,
             'user_expires_label' => (string) ($member['expires_label'] ?? ''),
-            'user_points'        => $points_balance,
-            'wallet_balance'     => $wallet_balance,
+            'user_points'        => $balances['points'],
+            'wallet_balance'     => $balances['balance'],
             'currency_name'      => $currency_name,
             'renew_enabled'      => $renew_enabled,
             'upgrade_enabled'    => $upgrade_enabled,

src/Core/ScriptsPart1b.php

@@ -63,7 +63,10 @@ trait ScriptsPart1b {
         };
 
         // 顶部导航用户卡片（legacy header-userbox 模块样式）。
-        $enqueue_module('header-userbox');
+        // 仅登录用户渲染用户卡（aksrt-header-userbox.php 的渲染条件），访客页面不加载。
+        if (is_user_logged_in()) {
+            $enqueue_module('header-userbox');
+        }
 
 		if (!is_user_logged_in() || (bool) get_query_var('aksrt_sign')) {
 			$auth_css = get_template_directory() . '/assets/css/routes/sign.css';

src/Core/StatsTracker.php

@@ -30,6 +30,9 @@ class StatsTracker {
 
 	/**
 	 * 追踪访问
+	 *
+	 * 访客判定与 setcookie 必须留在 wp_head（响应头尚未发送）；
+	 * 计数读写改挂 shutdown，避免每次前台请求都在渲染关键路径上写库。
 	 */
 	public function track_visit(): void {
 		// 排除管理员、爬虫、AJAX请求
@@ -41,6 +44,12 @@ class StatsTracker {
 			return;
 		}
 
+		static $scheduled = false;
+		if ($scheduled) {
+			return;
+		}
+		$scheduled = true;
+
 		$today = current_time('Y-m-d');
 		$option_key = 'aksrt_daily_stats_' . $today;
 
@@ -48,6 +57,19 @@ class StatsTracker {
 		$visitor_cookie = 'aksrt_visitor_' . $today;
 		$is_unique = empty($_COOKIE[$visitor_cookie]);
 
+		if ($is_unique) {
+			setcookie($visitor_cookie, '1', time() + DAY_IN_SECONDS, COOKIEPATH, COOKIE_DOMAIN);
+		}
+
+		add_action('shutdown', static function () use ($option_key, $is_unique): void {
+			self::get_instance()->record_stats($option_key, $is_unique);
+		});
+	}
+
+	/**
+	 * 计数落库（shutdown 阶段执行；请求中断时本次统计丢弃）。
+	 */
+	public function record_stats(string $option_key, bool $is_unique): void {
 		// 获取或初始化今日统计
 		$stats = get_option($option_key, ['visitors' => 0, 'pageviews' => 0]);
 
@@ -59,7 +81,6 @@ class StatsTracker {
 		$stats['pageviews']++;
 		if ($is_unique) {
 			$stats['visitors']++;
-			setcookie($visitor_cookie, '1', time() + DAY_IN_SECONDS, COOKIEPATH, COOKIE_DOMAIN);
 		}
 
 		update_option($option_key, $stats, false);

src/Ledger/LedgerService.php

@@ -63,6 +63,46 @@ final class LedgerService {
 		return AssetAmount::from_minor(AssetType::BALANCE, $this->balance($user_id, AssetType::BALANCE))->decimal();
 	}
 
+	/**
+	 * Read points and cash balance together (VIP modal catalog).
+	 *
+	 * The meta adapter serves both assets from user meta; the asset-account
+	 * fallback answers both rows with a single query.
+	 *
+	 * @return array{points:int,balance:string}
+	 */
+	public function points_and_balance(int $user_id): array {
+		if ($user_id <= 0) {
+			return ['points' => 0, 'balance' => '0.00'];
+		}
+		if (class_exists('\AKSRT\Credits\MetaAssetService')) {
+			$meta = \AKSRT\Credits\MetaAssetService::get_instance();
+			return [
+				'points'  => $meta->balance_points($user_id),
+				'balance' => $meta->balance_decimal($user_id),
+			];
+		}
+		global $wpdb;
+		$table = $this->table('asset_account');
+		$rows = $wpdb->get_results($wpdb->prepare(
+			"SELECT asset, balance_minor FROM {$table} WHERE user_id = %d AND asset IN (%s, %s)",
+			$user_id,
+			AssetType::POINTS->value,
+			AssetType::BALANCE->value
+		), ARRAY_A);
+		$minor = ['points' => 0, 'balance' => 0];
+		foreach ((array) $rows as $row) {
+			$asset = (string) ($row['asset'] ?? '');
+			if (isset($minor[$asset])) {
+				$minor[$asset] = max(0, (int) ($row['balance_minor'] ?? 0));
+			}
+		}
+		return [
+			'points'  => $minor['points'],
+			'balance' => AssetAmount::from_minor(AssetType::BALANCE, $minor['balance'])->decimal(),
+		];
+	}
+
 	public function format_balance(int $minor): string {
 		return AssetAmount::from_minor(AssetType::BALANCE, max(0, $minor))->formatted();
 	}

src/Settings/PaymentRuntime.php

@@ -219,7 +219,6 @@ class PaymentRuntime {
             'badge_text'    => $badge,
             'desc'          => $desc,
             'more'          => wp_kses($more, $allowed_equity + ['div' => ['class' => true], 'p' => ['class' => true]]),
-            'help_text'     => $desc !== '' ? $desc : __('会员权益以免扣下载和身份展示为主，开通后立即生效。', 'aksrt'),
             'levels'        => [
                 1 => [
                     'enabled'        => $vip1_enabled,