V132 - Native Import always available (no backups)

- SAVE ACCOUNT CHARACTER keeps the proven V125/V131 native export then move behavior.
- LOAD ACCOUNT CHARACTERS only stages the logged-in account CHR/BIO into BG2's normal characters folder.
- IMPORT ACCOUNT CHARACTER is always enabled in CHARGEN. It never waits for LOAD/ACCOUNT CHARACTERS READY.
- If no account is logged in, pressing Import opens the account login gate instead of bypassing it.
- Once logged in, Import calls BG2's stock createCharScreen:OnImportCharacterButtonClick() immediately.
- Import performs no character file movement itself.
- No character backups, restore copies, merge, or automatic respawn.
