Settings: let users opt out of coinos realtime notifications (privacy)

The WS watcher is the one place the app shares addresses off-device (it
subscribes your scripthashes to coinos to push instant payment updates). Add an
'Instant notifications' toggle in the explorer settings: off means the app never
connects to coinos and polls your chosen explorer instead — a bit slower, more
requests, but nothing is told to coinos. wsUrl returns null when disabled, so
startRealtime cleanly skips the socket and relies on the polling fallback.

Co-Authored-By: Claude Opus 4.8 (1M context) <[email protected]>

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