feat(plugins): enforce apiVersion; launcher plugins default ON with "none" opt-out

Two gaps from the MossTank shipment review.

**apiVersion was declared in every manifest and checked by nothing.** The
loader now refuses an unsupported contract BEFORE loading any code from the
plugin — checking after the fact is not equivalent, because by then the
assembly is in a collectible context and the mismatch surfaces as a type-load
or missing-member failure from inside the plugin, which reads like the plugin
is broken rather than built for a different host. PluginApi (Current /
MinimumSupported) lives in Plugin.Abstractions beside the contract it
versions, and the refusal is a distinct PluginApiVersionException so callers
can tell "update the client or the plugin" from "this plugin is broken". The
tests pin the ordering too: a manifest with a future apiVersion AND a missing
dll must fail on the version, a supported one on the dll.

**A launcher-launched client loaded no plugins until the user typed ids.**
LA5 distinguishes an omitted allow-list (load all) from an explicit empty one
(load none); a fresh character profile's list is empty, so it composed to
load-none. Direct launches pass null and load everything -- which is why the
gap never showed in development: the two launch paths disagreed and the
launcher was the one users get. This REVERSES the LA5 default deliberately:
"nothing configured" now composes to the omitted list, so plugins are on by
default, including ones installed later. The opt-out is kept -- losing it
would be a real regression for stripped sessions -- respelled as the literal
id "none", and the launcher's plugin box says so.

The cross-host shared fixture composes its explicit-load-none case through
the new spelling, keeping the reader-side contract tests (App and Headless
both preserve an explicit empty list) exactly as they were.

Complete Release suite: 14,469 tests pass on the standard hermetic lane
filter, 0 failures.

Co-Authored-By: Claude Opus 5 <noreply@anthropic.com>

tests/AcDream.Core.Tests/Plugins/PluginLoaderTests.cs

@@ -96,6 +96,49 @@ public class PluginLoaderTests
         loaded.LoadContext!.Unload();
     }
 
+    [Fact]
+    public void Load_UnsupportedApiVersion_IsRefusedBeforeAnyCodeLoads()
+    {
+        var host = new StubHost();
+        var manifest = new PluginManifest(
+            Id: "future.plugin",
+            DisplayName: "Future",
+            Version: "1.0.0",
+            EntryDll: "nope.dll",           // deliberately nonexistent:
+            ApiVersion: PluginApi.Current + 1,
+            Dependencies: Array.Empty<string>());
+
+        var loaded = PluginLoader.Load("/does/not/exist", manifest, host);
+
+        Assert.False(loaded.Success);
+        // ...the version gate must fire FIRST, before the dll is even probed,
+        // so the failure names the real remedy (update the client or the
+        // plugin) instead of a file-not-found or a type-load error from
+        // half-loaded plugin code.
+        var mismatch = Assert.IsType<PluginApiVersionException>(loaded.Error);
+        Assert.Contains("future.plugin", mismatch.Message);
+        Assert.Null(loaded.LoadContext);
+    }
+
+    [Fact]
+    public void Load_MinimumSupportedApiVersion_PassesTheGate()
+    {
+        var host = new StubHost();
+        var manifest = new PluginManifest(
+            Id: "old.plugin",
+            DisplayName: "Old",
+            Version: "1.0.0",
+            EntryDll: "nope.dll",
+            ApiVersion: PluginApi.MinimumSupported,
+            Dependencies: Array.Empty<string>());
+
+        var loaded = PluginLoader.Load("/does/not/exist", manifest, host);
+
+        // Fails on the missing dll, NOT on the version gate.
+        Assert.False(loaded.Success);
+        Assert.IsType<FileNotFoundException>(loaded.Error);
+    }
+
     [Fact]
     public void Load_MissingDll_ReturnsFailure()
     {

tests/AcDream.Launcher.Core.Tests/Launching/SessionConfigComposerTests.cs

@@ -174,8 +174,20 @@ public sealed class SessionConfigComposerTests
         Assert.Equal("+Acdream", (string?)session["character"]!["name"]);
     }
 
+    /// <summary>
+    /// A character nobody has configured loads every discovered plugin.
+    /// </summary>
+    /// <remarks>
+    /// This REVERSES the original LA5 mapping, deliberately. LA5's
+    /// omitted-vs-empty distinction is kept intact at the session-config
+    /// level; what changed is which one an unconfigured character maps to. A
+    /// new profile starts with an empty list, so a client that ships plugins
+    /// used to load none of them until the user typed an id — and nothing
+    /// reported it, the panel simply never appeared. The opt-out lives on as
+    /// the literal id "none" (see the next test).
+    /// </remarks>
     [Fact]
-    public void EmptyPluginsRemainAnExplicitLoadNoneAllowListWhileLoginCommandsAreOmitted()
+    public void UnconfiguredPluginsOmitTheAllowListSoEveryPluginLoads()
     {
         CharacterProfile character = Character(LaunchMode.Gui);
         character.Plugins = [];
@@ -189,10 +201,48 @@ public sealed class SessionConfigComposerTests
             Paths,
             sessionId: "session-empty-lists");
 
+        JsonObject session = SingleSession(composed);
+        Assert.False(session.ContainsKey("plugins"));
+        Assert.False(session.ContainsKey("loginCommands"));
+    }
+
+    [Fact]
+    public void ThePluginIdNoneEmitsAnExplicitLoadNoneAllowList()
+    {
+        CharacterProfile character = Character(LaunchMode.Gui);
+        character.Plugins = ["none"];
+
+        ComposedSessionConfig composed = SessionConfigComposer.Compose(
+            Server(),
+            Account(),
+            character,
+            Install,
+            Paths,
+            sessionId: "session-no-plugins");
+
         JsonObject session = SingleSession(composed);
         Assert.True(session.ContainsKey("plugins"));
         Assert.Empty(session["plugins"]!.AsArray());
-        Assert.False(session.ContainsKey("loginCommands"));
+    }
+
+    [Fact]
+    public void ConfiguredPluginIdsArePassedThroughUnchanged()
+    {
+        CharacterProfile character = Character(LaunchMode.Gui);
+        character.Plugins = ["acdream.mosstank"];
+
+        ComposedSessionConfig composed = SessionConfigComposer.Compose(
+            Server(),
+            Account(),
+            character,
+            Install,
+            Paths,
+            sessionId: "session-one-plugin");
+
+        JsonObject session = SingleSession(composed);
+        Assert.Equal(
+            ["acdream.mosstank"],
+            session["plugins"]!.AsArray().Select(node => (string?)node));
     }
 
     [Fact]

tests/Fixtures/campaign-la/LauncherCoreSessionConfigFixture.cs

@@ -65,7 +65,10 @@ internal static class LauncherCoreSessionConfigFixture
             Name = "Composer Character",
             Id = "0x50000001",
             LaunchMode = LaunchMode.Headless,
-            Plugins = [],
+            // "none" is how a profile now spells the explicit load-none
+            // allow-list; an EMPTY list means unconfigured and composes to an
+            // OMITTED allow-list (= load all) since plugins became default-on.
+            Plugins = ["none"],
             LoginCommands = [],
         };