Save path ./photos/YYYY/YYYY-MM/YYYY-MM-DD/YYYY-MM-DD.fileID.ext; download() from the cache first (closes #143)

Originals are saved at `{downloadDirectory}/YYYY/YYYY-MM/YYYY-MM-DD/YYYY-MM-DD.{fileID}{ext}`. The date is the photo's `takenAt` in local time, and `downloadDirectory` defaults to `./photos`, resolved when the library opens. The old `originals/` layout is gone.

`photo.download()` writes the original to `savePath`. It copies from the cache when the cache holds the original, and fetches otherwise. `lib.backup()` uses the same path and rule, and every album in `collections/` links to it. `isLocal` is true only when the original is at `savePath`.

For a file in several albums, one rule picks the copy everything uses: the most recently synced, with the lowest album ID breaking a tie.

Model: opus-5-5

TODO.md

@@ -25,6 +25,17 @@ declares one.
 
 # Completed Steps
 
+- 2026-10-01: Each original's save path is
+  `YYYY/YYYY-MM/YYYY-MM-DD/YYYY-MM-DD.<fileID>.<ext>` under the library's
+  download directory, which defaults to `photos` in the working directory (issue
+  143). The date is the photo's `takenAt` in the machine's time zone.
+  `photo.savePath` is always a string, with or without a content cache, and
+  `isLocal` is true only when the original is at its save path.
+  `photo.download()` puts the original there, copied from the cache when the
+  cache holds it and fetched otherwise. `lib.backup()` does the same for each
+  file, writes each file's JSON beside its original, and links `collections/` to
+  the save paths.
+
 - 2026-10-01: `photo.exif()` and `backup-metadata --exif` read EXIF from
   HEIC/HEIF originals, a live photo's HEIC image included, as well as JPEG and
   the other image formats `exifreader` reads (issue 145). `exifreader` replaces