fix: Ref 유산 포인트 적립 조건을 전면 정합화한다

능동 행동 31개 호출 지점과 소유자·NPC·통일 경계를 고정하고 사용자 저장값을 함께 갱신한다.\n\n최대 내정·임관, 천통 기여, 토너먼트, 숙련·베팅·랭크 계산과 환생 정산을 공통 계산기로 통합한다.

app/game-api/test/inheritRouter.test.ts

@@ -106,6 +106,8 @@ const buildContext = (options: {
     general?: GeneralRow | null;
     target?: GeneralRow | null;
     inheritancePoint?: number;
+    inheritanceRows?: Array<{ key: string; value: number }>;
+    rankRows?: Array<{ type: string; value: number }>;
     inheritanceLogs?: Array<{ id: number; year: number; month: number; text: string; createdAt: Date }>;
     configConst?: Record<string, unknown>;
 }) => {
@@ -176,6 +178,12 @@ const buildContext = (options: {
         },
         inheritancePoint: {
             upsert: pointUpsert,
+            findMany: vi.fn(
+                async () => options.inheritanceRows ?? [{ key: 'previous', value: options.inheritancePoint ?? 10_000 }]
+            ),
+        },
+        rankData: {
+            findMany: vi.fn(async () => options.rankRows ?? []),
         },
         inheritanceLog: {
             create: logCreate,
@@ -254,6 +262,58 @@ describe('inherit router actor and permission boundaries', () => {
         });
     });
 
+    it('projects every Ref inheritance source with its own coefficient and stored/calculated boundary', async () => {
+        const fixture = buildContext({
+            general: buildGeneral({
+                meta: {
+                    inherit_lived_month: 12,
+                    max_domestic_critical: 20,
+                    inherit_active_action: 0.5,
+                    belong: 7,
+                    max_belong: 9,
+                    rank_warnum: 300,
+                    firenum: 200,
+                    dex1: 1_275_978,
+                    dex2: 100,
+                    event100_allstar: { granted: { dex2: 40 } },
+                    betwin: 200,
+                    betgold: 200_000,
+                    betwingold: 100_000,
+                },
+            }),
+            rankRows: [
+                { type: 'warnum', value: 3 },
+                { type: 'firenum', value: 2 },
+                { type: 'betwin', value: 2 },
+                { type: 'betgold', value: 2_000 },
+                { type: 'betwingold', value: 1_000 },
+            ],
+            inheritanceRows: [
+                { key: 'previous', value: 100 },
+                { key: 'max_domestic_critical', value: 80 },
+                { key: 'unifier', value: 250 },
+                { key: 'tournament', value: 50 },
+            ],
+        });
+
+        const status = await appRouter.createCaller(fixture.context).inherit.getStatus();
+
+        expect(status.items).toEqual({
+            previous: 100,
+            lived_month: 12,
+            max_domestic_critical: 80,
+            active_action: 1.5,
+            unifier: 250,
+            tournament: 50,
+            max_belong: 90,
+            combat: 15,
+            sabotage: 40,
+            dex: 1_276.036,
+            betting: 5,
+        });
+        expect(status.totalPoint).toBeCloseTo(1_919.536, 8);
+    });
+
     it.each([{}, { allItems: '{}' }])(
         'restores selectable Ref default uniques for a legacy scenario config: %j',
         async (configConst) => {