Add reconnect UI, disconnect button, and visual cleanup

- Redesign disconnect overlay as a full-screen modal with dark backdrop
- Add working Reconnect button that properly re-establishes WebSocket connection
- Add Disconnect button in Settings for testing
- Separate disconnect and ban/kick codepaths (no reconnect on ban)
- Log disconnect notice in IC log using hrtext style
- Refactor area list rendering from client state (renderAreaList)
- Extract appendICNotice for reusable IC log notices
- Clean up charselect: hide during loading, simplify toolbar layout
- Freshen loading screen and charselect styling
- Remove loading progress text updates (just show "Loading...")
- Guard against undefined client.chars and client.serv

Co-Authored-By: Claude Opus 4.6 (1M context) <noreply@anthropic.com>

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