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/Frames/BagUsage.lua

@@ -218,5 +218,15 @@ function ns:OnEnter(self)
 	
 	AltoTooltip:AddLine(" ",1,1,1);
 	AltoTooltip:AddLine(CYAN .. numSlots .. " |r" .. L["slots"] .. " ("  .. GREEN .. numFree .. "|r " ..L["free"] .. ") ",1,1,1);
-	AltoTooltip:Show();	
+
+	-- CoA personal bank (per-character). Realm bank is per-realm, not per
+	-- character, so it is intentionally not shown on this character tooltip.
+	local personalTabs = DS:GetPersonalBankTabCount(character) or 0
+	if personalTabs > 0 then
+		AltoTooltip:AddLine(" ",1,1,1);
+		AltoTooltip:AddLine(format("%sPersonal Bank|r: %s%d|r %s",
+			CYAN, WHITE, personalTabs, (personalTabs == 1) and "tab" or "tabs"), 1, 1, 1);
+	end
+
+	AltoTooltip:Show();
 end