Verify login credentials before spending rate-limit budget (closes #150)

In the shipped default, any stranger denied the operator the only
administrative path at 5 requests per minute: TRUSTED_PROXIES is empty,
the README requires a reverse proxy, so every login POST shared one
bucket keyed on the proxy.

Credentials are now verified first and only a FAILED attempt spends
budget, so a correct password is never throttled. Failures are counted
per (client bucket, submitted username), bounded. Concurrent Argon2id
verifications are capped at two, and the queue for them at 16 — because
verifying first lets an attacker force a 64 MB hash per request, and
bounding the wait alone bounds nothing.

The issue's own recommendation was insufficient and is rejected here:
keying by username stops an attacker locking out a DIFFERENT account,
but this is a single-admin product with a predictable bootstrap
username, so flooding the operator's own name still locks them out.

This is speculative — it implements a corrected recommendation ahead of
the owner's ruling so the decision can be made by merging or reverting.
Three things are disclosed rather than glossed: online guessing rises
from 5/min to roughly 27/s, because the 429 is a label on the response
and not a gate in front of the hash; the residual exposure is a loss of
login AVAILABILITY, not latency, and a determined flood still denies
login while it runs, at ~400x the cost and clearing the moment it
stops; and the endpoint should be provisioned for ~400 MB resident, not
the 203 MB of live commitment it itemises.

Independently reviewed four times. Reviewers disproved the suspected
FIFO starvation by measurement, then caught two successive memory
bounds the code did not have — the second by parking waiters and
reading the heap rather than checking the arithmetic.

internal/config/config_test.go

@@ -629,8 +629,9 @@ func testTrustedProxiesSuccess(
 
 // TestSharedRateLimitBucketWarning covers the startup warning that
 // tells an operator a deployment behind a reverse proxy shares one
-// rate-limit bucket between every client, which makes the admin login
-// remotely deniable. It must fire whenever TRUSTED_PROXIES is empty,
+// rate-limit bucket between every client, which turns the receiver
+// limits into service-wide ceilings and collapses login failure
+// counting. It must fire whenever TRUSTED_PROXIES is empty,
 // in any environment: WEBHOOKER_ENVIRONMENT defaults to dev, so gating
 // on it would silence the warning for exactly the operator who never
 // configured the deployment. It stays quiet once proxies are named.
@@ -707,7 +708,15 @@ func TestSharedRateLimitBucketWarning(t *testing.T) {
 			assert.Contains(t, logged, `"level":"WARN"`)
 			assert.Contains(t, logged, "TRUSTED_PROXIES")
 			assert.Contains(t, logged, "share one bucket")
-			assert.Contains(t, logged, "denying the admin login")
+			assert.Contains(
+				t, logged, "throttle every other client's failed logins",
+			)
+			// The warning must not claim a lockout the login
+			// endpoint no longer permits: credentials are verified
+			// before any budget is spent.
+			assert.Contains(
+				t, logged, "a correct password still gets in",
+			)
 			// The text must stay accurate for a developer with
 			// nothing in front of the process, where an empty
 			// list costs nothing.