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/GuildMembers.lua

@@ -460,7 +460,9 @@ function ns:Level_OnClick(self, button)
 	if button ~= "LeftButton" then return end
 
 	local id = self:GetParent():GetID()
+	if id == 0 then return end		-- CoA: cleared/hidden rows keep SetID(0); view[0] is nil and indexing line.lineType below errors. Level_OnEnter & Collapse_OnClick already guard this; Level_OnClick (the AiL click that opens equipment) was the only handler missing it.
 	local line = view[id]
+	if not line then return end		-- CoA: stale button ID after a GUILD_ROSTER_UPDATE view rebuild can point past #view
 	if line.lineType == NORMALPLAYER_LINE then return end
 	
 	local member = self:GetParent().CharName