fix: Fixes Argon2 verify correctness and the password upgrade lockout (#2562)

> ⚠️ **Rollback hazard — one-way door once logins are taken.** Serialization is unchanged, so a save
> written by this build still *loads* on the previous one. Its contents do not survive the trip: on
> its first successful login each account is rehashed to `$argon2id$`, and the previous build ships
> Argon2.Bindings 1.19.0, whose `Verify` is gated by the verifier's own configured type and answers
> `false` for an `$argon2id$` hash. **After a shard running this build has accepted logins, do not
> roll back past this commit** — every account that logged in is locked out on the older binary, and
> the only recovery is rolling forward again or resetting passwords by hand. Roll back only from a
> save taken before the first post-deploy login.

Requires [Argon2.Bindings 1.20.0](https://github.com/modernuo/Argon2.Bindings/pull/14), now published.

## What

- Consume `Argon2.Bindings` 1.20.0, which resolves the Argon2 type from the stored PHC string rather than from the verifier's own configuration.
- Default to **Argon2id, m=16384, t=1, p=1** — 8.51 ms against the old Argon2i 8 MiB t=3 at 10.11 ms. Cheaper *and* stronger.
- Rehash on a successful login whenever the stored parameters are stale, not only when the algorithm changes.
- Fix `SetPassword`, which derived the password phrase from the outgoing algorithm while storing it under the incoming one.

## Why

**Verification was gated by the verifier's configured type.** `Verify` passed the instance's own `ArgonType` to native `argon2_verify`, whose `decode_string` rejects a disagreeing `$argon2i$`/`$argon2id$` prefix and returns `DECODING_FAIL` — folded into `false`, the same answer as a wrong password. Switching the default type would have locked out every existing account, and `VerifyAndUpdate` could not have migrated them either: it delegates to the same type-fixed `Verify` and never compared `ArgonType`. Fixed upstream in 1.20.0. The pinned legacy-`$argon2i$` test here fails on 1.19.0 for exactly that reason, which is what makes the package bump load-bearing rather than incidental.

**Changing the defaults would otherwise have reached nobody.** Argon2's PHC string embeds `m`, `t` and `p`, so verification uses the parameters stored with each account, not the configured ones — and verification is the hot path. `CheckPassword` only rehashed when the *algorithm* changed, never when its cost parameters did, so on an established shard the new defaults would have applied to new accounts only. `IPasswordProtection.NeedsRehash` closes that: it defaults to `false`, so PBKDF2 and the `HashAlgorithm` protections are untouched — only Argon2 carries its cost inside the stored value.

**`SetPassword` picked the phrase rule from the wrong algorithm.** SHA1 and SHA2 salt the phrase with the username; Argon2 and PBKDF2 do not. It chose the rule from the *outgoing* algorithm while storing under the *incoming* one, so any algorithm change wrote a credential its own next verify could not reproduce. It now assigns `PasswordAlgorithm` first and derives the phrase from that. Note this ordering is load-bearing and invisible — `UpgradingAlgorithm_DoesNotLockTheAccountOut` is what pins it.

## Cost

Verification is re-derivation, so these are login numbers. A full login calls `CheckPassword` twice — `AccountLogin` (0x80) then `GameLogin` (0x91): **~20 ms before, ~17 ms after**, plus a one-time ~8.5 ms rehash on each account's migrating login.

That cost is still paid on the game loop. Moving hashing off-loop is deliberately **not** in this PR — it needs a pending-auth state in the login handlers, bounding of in-flight hashes, and login rate limiting.

Projects/UOContent/UOContent.csproj

@@ -45,7 +45,7 @@
         <PackageReference Include="MailKit" Version="4.17.0" />
         <PackageReference Include="Microsoft.Extensions.FileSystemGlobbing" Version="10.0.10" />
         <PackageReference Include="CommunityToolkit.HighPerformance" Version="8.4.2" />
-        <PackageReference Include="Argon2.Bindings" Version="1.19.0" />
+        <PackageReference Include="Argon2.Bindings" Version="1.20.0" />
         <PackageReference Include="ModernUO.CodeGeneratedEvents.Annotations" Version="1.0.0" />
         <PackageReference Include="ModernUO.CodeGeneratedEvents.Generator" Version="1.0.3.2" PrivateAssets="all" />
         <PackageReference Include="ZstdNet" Version="1.5.7" />