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loopd: account for channel reserves in loop out validation
Use each channel's local balance minus its reserve when simulating Loop Out payment bandwidth, clamping the result at zero. This prevents swaps from starting when the gross balance covers the amount and routing fee but the spendable balance does not. Add one-sat boundary tests and a bug-fix release note. Leave a TODO for server-fee and prepay capacity because enforcing their maximum fee caps could reject viable swaps whose actual routing fees are lower.
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#### Bug Fixes
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* Loop Out requests now account for channel reserves when checking outbound
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capacity, preventing swaps from starting when their off-chain payment cannot
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be funded.
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* Taproot Asset Loop Out handling now validates RFQ timeouts and asset rates,
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keeps cached asset-name lookups responsive during slow `tapd` queries, and
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closes `tapd` connections cleanly during shutdown and startup failures.
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