refactor: extract ChatOverlayLayer — real component decomposition, Commit G

The first true decomposition of the 4105-line god-object, not another partial
shuffle. MainViewModel.Chat.cs 194 -> 44 lines of thin delegation; all chat
behavior now lives in a self-contained Services/ChatOverlayLayer.cs (199):

- Owns the message buffer (Messages), ChatBoxRenderer, fade + mock-preview
  timers, per-source preview renders, and the live-output RenderFrame path.
- The VM keeps only the binding surface: ChatMessages delegates to
  _chatLayer.Messages (so XAML ItemsSource + LeftPanel CollectionChanged hold),
  CanAddYouTubeChat / ShowChatInactiveMessage stay computed on the VM
  (OnPropertyChanged raised from VM setters + XAML-bound), and thin forwards.
- Scenes handed in as args (no Func seam), so the layer owns no scene graph.

An AI reading ChatOverlayLayer.cs now sees the entire chat feature in one
self-contained unit. Zero behavior change; build 0 warnings; 246 pass, only the
2 known failures. Docs: ViewModels/index.md tracker updated in same commit.

ViewModels/index.md

@@ -72,5 +72,6 @@ commit, tag `refactor-commit-N`, no per-commit push).
 - [x] **Commit D · `refactor-commit-D`** — **SocialsDialog** → `SocialsDialogViewModel.cs` 515 → **334** + new **`SocialSlotViewModel.cs`** (183 lines). Moved the `DialogEntry` record + the row-level `SocialSlotViewModel` (six-fixed-slot row VM: service/logo/lock/edit/validate state + computed `Show*` flags) into its own file; `SocialsDialogViewModel.cs` keeps the dialog VM (sign-in gate, validation orchestration, commit). `DialogEntry` stays `public` in the same namespace so both files see it. Pending: LayoutStore.
 - [x] **Commit E · `refactor-commit-E`** — **LayoutStore** → `LayoutStore.cs` 1402 split into 6 concern-based partials: **`LayoutStore.cs`** (47: shell — `Instance`, fields, ctor + `EnsureSchema`, `GetUserVersion`, `Dispose`), **`LayoutStore.Migrations.cs`** (495: all `Migrate*` + `EnsureSchema`), **`LayoutStore.Load.cs`** (221: `Load`), **`LayoutStore.Save.cs`** (339: `Save`), **`LayoutStore.Settings.cs`** (292: mic/record-folder/reusable-stream + license/transition/broadcast/hotkey/window `GetSetting`/`UpsertSetting`), **`LayoutStore.Assets.cs`** (41: `GetAssetBytes`/`UpsertAsset`). **PHASE 3 COMPLETE — no production `.cs` over 500.**
 - [x] **Commit F · `refactor-commit-F`** — **Recording (context/concern)** → new **`MainViewModel.Recording.cs`** (121 lines). The encoder (`Services/Encoder/FfmpegEncoder.cs`) and frame pump (`Services/Encoder/FramePump.cs`) were ALREADY extracted services — the planned "extract FFmpegEncoder/StreamHealthMonitor/FramePump" was a no-op premise. The honest functional seam was the local recording-output concern: `StartRecordFile`, `FinalizeRecordingAsync`, `UniquePath`, `ChooseRecordFolder`, `ResetRecordFolder`, `DefaultRecordFolder` + fields `_recordFolder`/`RecordFolderDisplay`/`_activeRecordPath`/`_recordStartTime`/`_recordLength` moved out of the live-stream orchestration. `MainViewModel.Streaming.Operations.cs` 475 → **377**; `MainViewModel.Streaming.cs` 328 → **323**. Same partial class, MVVM glue untouched.
+- [x] **Commit G · `refactor-commit-G`** — **ChatOverlayLayer (true component)** → new **`Services/ChatOverlayLayer.cs`** (199 lines). The first REAL decomposition of the 4,105-line god-object: `MainViewModel.Chat.cs` 194 → **44** (thin delegation). The layer owns all chat behavior — `Messages` buffer, `ChatBoxRenderer`, fade timer, mock-preview timer, per-source preview renders, live-output `RenderFrame`. The VM keeps only the binding surface: `ChatMessages` (delegates to `_chatLayer.Messages`, so XAML bind + LeftPanel `CollectionChanged` hold), `CanAddYouTubeChat`/`ShowChatInactiveMessage` (computed + `OnPropertyChanged` from VM setters), and thin forwards. Scenes are handed in as args (no `Func` seam) so the layer stays scene-graph-free. Zero behavior change; 246 pass / 2 known.
 The partial `.cs` files land next to `MainViewModel.cs` in this folder as the split
 proceeds; each partial carries its own `using`s and re-declares nothing from core.