fix(hub): never collect a large download in the page

`pipelinedDownload` with no writable allocates `new Array(totalChunks)` and
keeps every decrypted chunk, so whatever `_openDownloadTarget` returns null for
is held whole in RAM. That floor had no upper bound: the
`!window.showSaveFilePicker` branch returned null at any size, so on a browser
without the File System Access API a 20 GB film went to memory whenever the
streamed path did not answer. Nothing logged, nothing refused; the symptom was
the tab dying, with no error attributable to this code.

MEMORY_CEILING is 100 MB and every `return null` in that chain now goes through
a guard that throws above it. The refusal names the size, the limit and why the
streamed path declined, and lands in the transfers panel as a failed transfer
rather than in a console nobody opens.

This is a guard, not a limit on what can be downloaded: with the streamed path
primed and retried (previous commit), a file of any size still goes to disk
progressively on every browser. Two things had to change for that to be true:

- the streamed path is now tried in "ask" mode too, for a file over the ceiling
  on a browser with no Save As of its own. The mode decides whether to show a
  dialog; it was silently deciding whether a film could be downloaded at all;
- FilePreview had no size check whatsoever — a multi-gigabyte PDF or .csv was
  fetched whole, and the text branch decoded all of it to keep 500 000
  characters. It refuses above the same ceiling and offers the download.

ZIP_MAX_BYTES (512 MB) and the ceiling do not contradict: the archive limit
bounds the archive, the ceiling bounds what may be built in the page, so a
400 MB zip is allowed when there is somewhere to stream it and refused when the
only route left is memory. The build-in-memory confirmation only appears below
the ceiling now.

Co-Authored-By: Claude Opus 5 <noreply@anthropic.com>
Claude-Session: https://claude.ai/code/session_01HCGdheDLxGReuKHga3BtST

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