Harden breadcrumbs: fix real bugs, restructure as lib, stop storing PSKs twice

Bug fixes:
- mask() panicked on multi-byte UTF-8 passwords (byte-slicing a char
  boundary); now masks by char count and never echoes a real character
- `cd --shell` interpolated the config path into a shell -c string via
  Debug formatting, which doesn't neutralize shell metacharacters; now
  passed as a positional shell argument instead
- connecting to open (no-password) networks failed because an empty PSK
  was always sent to nmcli, which nmcli treats as secured-with-no-password
  instead of open; the password arg is now omitted entirely when empty
- five nmcli terse-output parse sites used a raw splitn(2, ':'), which
  mis-splits any device/connection name containing a literal ':'; unified
  on the existing escape-aware field splitter
- watch's health classifier silently read a config-deleted profile as
  "healthy" off a bare internet check instead of surfacing the misconfig
- the nmcli-monitor thread seeded its debounce clock with
  `Instant::now() - 10s`, which panics on the monotonic clock near boot —
  exactly when the generated systemd unit tends to start the watcher

Architecture:
- extracted src/lib.rs + src/app.rs so command logic can be exercised
  in-process by tests instead of only by spawning the compiled binary
- added a Runner trait (src/util.rs) so subprocess calls can be faked in
  tests; flow::run and watch::classify are now covered by real in-process
  tests of the connect state machine and health transitions, not just
  their pure helpers
- Wi-Fi passwords are no longer kept in breadcrumbs' config once
  NetworkManager durably holds them: NetworkDef.password is now optional,
  and a successful password-based connect clears + persists it
  immediately, so it's never sent again on subsequent connects
- saved networks (SSID + optional local password) moved out of
  breadcrumbs.toml into a separate networks.toml; old configs with
  inline [[networks]] still load and migrate automatically on next save
- corrected a false README claim that passwords are never in nmcli argv

Test count: 20 -> 89 (52 unit, 24 CLI integration, 13 in-process
state-machine tests). Full clean run: cargo build/build --release/
test/clippy --all-targets, verified from a `cargo clean` rebuild.

.gitignore

@@ -1,9 +1,12 @@
 # Build output
 /target/
 
-# Secrets: live config holds plaintext Wi-Fi passwords.
-# Keep local only; see breadcrumbs.example.toml for the schema.
+# Secrets: live config holds plaintext Wi-Fi passwords (until NetworkManager
+# takes over each one on first connect — see README's "Credential handling").
+# Keep local only; see breadcrumbs.example.toml / networks.example.toml for
+# the schemas.
 /breadcrumbs.toml
+/networks.toml
 
 # Legacy plaintext credential store (migrated into breadcrumbs.toml on first run)
 /Networks/
@@ -34,3 +37,6 @@ desktop.ini
 
 # Claude Code local state
 .claude/
+
+# Local hygiene notes (not for commit)
+CLAUDE.md