refactor(充点弹窗): 升级报价状态改由具名函数返回

- 抽出 resolveMembershipQuoteErrorState，用提前返回替代嵌套三元，消除升级报价错误 / 加载 / 空三态的深层条件表达式。

packages/shared/src/components/PlatformProfileRechargeModal/index.tsx

@@ -371,6 +371,41 @@ function resolveMembershipPlanAction(
   return { disabled: false, label: '补差升级', mode: 'upgrade' };
 }
 
+/** 升级报价的加载 / 失败态；非升级流程不展示报价状态。 */
+function resolveMembershipQuoteErrorState({
+  isUpgrade,
+  error,
+  isLoading,
+  onRetry,
+}: {
+  isUpgrade: boolean;
+  error: string | null;
+  isLoading: boolean;
+  onRetry: () => void;
+}): ReactNode {
+  if (!isUpgrade) {
+    return null;
+  }
+  if (error) {
+    return (
+      <PlatformRechargeStatusMessage className="rounded-2xl font-semibold">
+        <div>{error}</div>
+        <PlatformRechargeActionButton className="mt-3" onClick={onRetry}>
+          重新获取报价
+        </PlatformRechargeActionButton>
+      </PlatformRechargeStatusMessage>
+    );
+  }
+  if (isLoading) {
+    return (
+      <div className="rounded-xl px-3 py-2 text-xs font-semibold text-[var(--platform-text-soft)]">
+        正在获取升级报价…
+      </div>
+    );
+  }
+  return null;
+}
+
 function PlatformMudPointPoolOverview({
   center,
 }: {
@@ -1011,23 +1046,12 @@ function PlatformRechargeCheckoutDialog({
           ? '按剩余比例补差，保留现有余额，已用点不返还；升级后原刷新日与到期日不变。'
           : `月度泥点按开通日自然月计期，当期未用完部分到期清零，不结转。当前选择 ${cycleLabel}。`
       }
-      errorState={
-        isUpgrade && membershipQuoteError ? (
-          <PlatformRechargeStatusMessage className="rounded-2xl font-semibold">
-            <div>{membershipQuoteError}</div>
-            <PlatformRechargeActionButton
-              className="mt-3"
-              onClick={() => onRequestMembershipQuote(target.plan)}
-            >
-              重新获取报价
-            </PlatformRechargeActionButton>
-          </PlatformRechargeStatusMessage>
-        ) : isUpgrade && isLoadingMembershipQuote ? (
-          <div className="rounded-xl px-3 py-2 text-xs font-semibold text-[var(--platform-text-soft)]">
-            正在获取升级报价…
-          </div>
-        ) : null
-      }
+      errorState={resolveMembershipQuoteErrorState({
+        isUpgrade,
+        error: membershipQuoteError,
+        isLoading: isLoadingMembershipQuote,
+        onRetry: () => onRequestMembershipQuote(target.plan),
+      })}
     />
   );
 }