feat(aigc/useTemplate): add multi-step template generation confirmation workflow

- add PhotoConfirmDrawer component for post-photo-pick quality verification
- add GenerateConfirmPanel to display generation point cost and available balance
- extend TemplateVersionHero to support custom variant styles
- refactor useTemplate page to use step-based workflow flow

src/pages-aigc/useTemplate/components/GenerateConfirmPanel/index.vue

@@ -0,0 +1,57 @@
+<template>
+  <view class="generate-confirm-panel">
+    <view class="generate-points-summary">
+      <view class="generate-point-card">
+        <text class="generate-point-label">本次消耗</text>
+        <text class="generate-point-value">{{ cost }}积分</text>
+      </view>
+      <view class="generate-point-card">
+        <text class="generate-point-label">当前可用</text>
+        <text class="generate-point-value">{{ balance }}积分</text>
+      </view>
+    </view>
+
+    <view class="generate-freeze-note">
+      <text class="generate-freeze-title">积分冻结规则</text>
+      <text class="generate-freeze-desc">
+        开始生成后将先冻结 {{ cost }} 积分，生成成功后扣除，失败会自动退回。
+      </text>
+    </view>
+
+    <view class="generate-confirm-actions">
+      <view
+        class="generate-action is-primary"
+        hover-class="is-pressed"
+        @tap="emit('generate')"
+      >
+        开始生成
+      </view>
+      <view
+        class="generate-action is-secondary"
+        hover-class="is-pressed"
+        @tap="emit('recharge')"
+      >
+        充值积分
+      </view>
+    </view>
+  </view>
+</template>
+
+<script setup>
+defineProps({
+  cost: {
+    type: [Number, String],
+    default: 100,
+  },
+  balance: {
+    type: [Number, String],
+    default: 300,
+  },
+});
+
+const emit = defineEmits(["generate", "recharge"]);
+</script>
+
+<style scoped lang="scss">
+@import "./styles/index.scss";
+</style>