realIP() now parses RemoteAddr and checks if the source IP is in
RFC1918 (10/8, 172.16/12, 192.168/16), loopback (127/8), or IPv6
ULA/loopback ranges before trusting X-Real-IP or X-Forwarded-For
headers. Public source IPs have headers ignored (fail closed).
This prevents attackers from spoofing X-Forwarded-For to bypass
the login rate limiter.