fix(uploads): read the body after authenticating, not before it

`POST /api/downloads/upload` declared `file: UploadFile = File(...)`, and
FastAPI parses and spools a declared body before the first dependency runs --
`require_human` included. An unauthenticated caller could therefore make the
process write the whole per-file allowance (500 MiB by default) to temp, once
per request. SEC-20's ceiling bounded that number but could not stop the
writing, which is why E27 parked it rather than closing it.

The route now takes no body parameter. `spool_upload` names `require_human`
first and only then streams `request.stream()` to the staging temp file, so a
stranger is refused before a byte moves -- the shape the screenshot route has
used since E16. Filename and display name travel as percent-encoded headers
(latin-1 on the wire, so a Hungarian filename needs the encoding) instead of
multipart parts.

`capped_stream_to` joins `capped_body` in routes/_common.py: the same counting
rule, written to a file descriptor rather than accumulated, because holding
500 MiB would trade a disk problem for a memory one. Its refusal is the
caller's, so the upload route keeps answering 422 `upload_too_large` with the
admin knob's own number.

With no envelope to allow for, the edge is now exactly that knob, and
MULTIPART_ENVELOPE_ALLOWANCE is gone.

The invariant stops being prose: test_body_limit.py asks FastAPI itself
(`route.dependant.body_params`) and fails the gate if any route with a raised
ceiling declares a body. A comment could not have prevented the defect it
described; that test would have.

Both new tests were seen red for the right reason -- before the fix the
anonymous probe got its 401 only after the server had read 4236 bytes of a
multipart body, and re-declaring the File parameter turns the invariant test
red naming the route and the parameter.

backend/tests/conftest.py

@@ -15,6 +15,7 @@ tests that COMMIT (the whole point of this lane — transaction-ownership behavi
 
 import os
 import shutil
+from urllib.parse import quote
 
 import pytest
 from alembic import command
@@ -248,6 +249,27 @@ def as_user(db, override_dep, _configured):
     return _as
 
 
+@pytest.fixture
+def upload_headers():
+    """Build the headers `POST /api/downloads/upload` takes since P1.
+
+    Shared, because two test modules drive that route and a second copy of this is exactly the drift
+    that lets the wire shape change in one place only. The body IS the file now; the names ride as
+    percent-encoded headers (`quote` mirrors the client's `encodeURIComponent`, since headers are
+    latin-1 and a Hungarian filename would not survive raw)."""
+
+    def _headers(filename: str, display_name: str | None = None) -> dict[str, str]:
+        headers = {
+            "content-type": "application/octet-stream",
+            "x-upload-filename": quote(filename),
+        }
+        if display_name is not None:
+            headers["x-upload-display-name"] = quote(display_name)
+        return headers
+
+    return _headers
+
+
 @pytest.fixture(autouse=True)
 def _reset_rate_limiters():
     """Every RateLimiter is a module-level singleton keyed by client IP, and TestClient always