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

test/library/precache.test.ts

@@ -280,6 +280,7 @@ describe("Precache eviction integration", () => {
             pools: new RequestPools(),
             source,
             cacheDirectory: cacheDir,
+            downloadDirectory: join(root, "photos"),
             getFile: (id) => byID.get(id),
             statfs,
             cacheOriginalsMaxBytes: 25, // holds two 10-byte originals
@@ -348,6 +349,7 @@ describe("Precache preemption", () => {
             pools: new RequestPools({ contentConcurrency: 1 }),
             source,
             cacheDirectory: join(root, "cache"),
+            downloadDirectory: join(root, "photos"),
             getFile: (id) => byID.get(id),
             statfs: async () => ({ bsize: 1, bavail: 1_000_000_000 }),
             freeBelowBytes: 0,