perf: 全项目批量优化-16处load()改为轻量刷新

- plan.js: createPlanFinance/deletePlanItem/planInlineUpdate
- finance.js: createFinance/deleteFinanceItem
- drawer.js: deleteDrawerItem/submitComment/deleteActivity
- products.js: createResource/submitProductDrawer
- projects.js: duplicateProject/submitTaskForm
- proposals.js: ensureStandardProposals/submitStandardComment/submitProposal
- plan_expense.js: savePlanExpense/deletePlanExpItem(上版本已修)
- 所有保存/删除/编辑后改为/api/<resource>/list+单模块render
- 仅保留app.js初始加载和switchTenant切换工作台的全量load()
- 版本号 v1.0.0.38

templates/index.html

@@ -76,7 +76,7 @@
     <header class="topbar border-b border-slate-200 bg-white px-8 py-5">
       <div class="flex items-center gap-3 w-full">
         <div class="flex-1">
-          <p class="eyebrow text-xs font-semibold uppercase tracking-[0.18em] text-blue-700">OPC Manager <span class="ml-2 text-xs font-normal text-slate-400 tracking-normal">v1.0.0.37</span></p>
+          <p class="eyebrow text-xs font-semibold uppercase tracking-[0.18em] text-blue-700">OPC Manager <span class="ml-2 text-xs font-normal text-slate-400 tracking-normal">v1.0.0.38</span></p>
           <div class="flex items-center gap-4 mt-1">
             <h1 class="text-2xl font-semibold" id="workspaceTitle">科普 OPC 工作台</h1>
             <div class="hidden sm:flex items-center gap-1.5 bg-gradient-to-r from-blue-50 to-indigo-50 border border-blue-100 rounded-full px-4 py-1.5">