coa.9: revert scale default + crash fixes + personal/realm bank + woodworking

- Revert UIScale default 1.4->1.0 (scaling only zoomed, no extra content; real
  larger layout tracked separately). Apply saved scale on open, default 1.0.
- Fix Options:Get/Set nil 'options' crash (TabOptions.lua:442).
- Guild Members: guard Level_OnClick against cleared/stale row IDs.
- Personal + Realm bank tracking ported from coa-bagnon (BANK_PERMISSIONS_PAYLOAD
  detection; personal per-char, realm per-realm; Search + BagUsage surfacing).
- Woodcutting/Woodworking columns on Skills tab (CoA custom professions).

Altoholic/Altoholic.lua

@@ -404,15 +404,13 @@ end
 function addon:OnShow()
 	SetPortraitTexture(AltoholicFramePortrait, "player");
 
-	-- CoA: apply the saved UI scale on every open. Upstream only ran SetScale after the
-	-- Options tab was visited, so the window opened un-scaled. One-time bump of profiles
-	-- still on the old 1.0 default to the AtlasLoot-ish 1.4 default; a custom scale is kept.
+	-- CoA: apply the saved UI scale on open (upstream only applied it after the Options
+	-- tab was visited, so the window opened un-scaled). Default is 1.0 — scaling is opt-in
+	-- via Options; a true larger layout is tracked separately.
 	local O = addon.db.global.options
-	if not O.coaScaleDefaulted then
-		O.coaScaleDefaulted = true
-		if (O.UIScale or 1.0) == 1.0 then O.UIScale = 1.4 end
+	if O and O.UIScale then
+		AltoholicFrame:SetScale(O.UIScale)
 	end
-	AltoholicFrame:SetScale(O.UIScale or 1.4)
 
 	addon.Characters:BuildList()
 	addon.Characters:BuildView()