Store and compare file mtimes to the nanosecond (closes #226)

The files table held mtime in whole seconds and the scanner compared
whole seconds. A file rewritten with its size unchanged and a new mtime
in the same second as the indexed one was treated as unchanged, and
every later snapshot restored the old content. A new mtime_nsec column
now holds the nanoseconds within the second that mtime holds, and the
scanner compares the full mtime.

A local index created before this change lacks the column and is
rebuilt with `vaultik database delete` and a full backup. A snapshot
made before it cannot be restored by this version.

Model: opus-5-5

internal/snapshot/scanner.go

@@ -1221,7 +1221,7 @@ func (s *Scanner) checkFileInMemory(
 
 	// Check if file has changed
 	if existingFile.Size != file.Size ||
-		existingFile.MTime.Unix() != file.MTime.Unix() ||
+		!existingFile.MTime.Equal(file.MTime) ||
 		existingFile.Mode != file.Mode ||
 		existingFile.UID != file.UID ||
 		existingFile.GID != file.GID {