feat: preview account data after dynamic config refresh

[babymakh2026-maker]

Summary

• add getUserAccountDataAfterDynamicConfigRefresh() so users and integrations can preview account data using the latest dynamic reserve configs
• keep getUserAccountData() semantics unchanged by adding explicit dynamic config calculation modes
• cover that the preview reads latest dynamic config keys without updating the user's stored keys, then matches getUserAccountData() after updateUserDynamicConfig()

Addresses part of #638.

Testing

• yarn lint
• forge test --match-path tests/contracts/spoke/configuration/Spoke.DynamicConfig.Triggers.t.sol -vvv
• forge test --match-path tests/contracts/spoke/misc/Spoke.UserAccountData.t.sol -vvv
• forge build --force --skip 'tests//*.sol' --skip 'scripts//*.sol'
• forge build --sizes --skip 'tests//*.sol' --skip 'scripts//*.sol' (SpokeInstance: 24,375 B runtime, 201 B margin)