修复(充值弹层): 任一商品提交中即禁用会员结算

- 会员结算 canSubmit 由 !submitting 改为 !submittingProductId，与充点分支的 ctaDisabled 口径一致
- 避免充点在途时仍能提交会员结算、被 buyRechargeProduct 静默丢弃后直接关闭弹层
- 补充反向用例：泥点订单提交中时会员结算按钮禁用

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

@@ -530,6 +530,50 @@ describe('PlatformProfileRechargeModal', () => {
     ).toHaveProperty('disabled', true);
   });
 
+  test('泥点订单提交中时会员结算入口禁用', async () => {
+    const user = userEvent.setup();
+    const renderModal = (submittingProductId: string | null) => (
+      <PlatformProfileRechargeModal
+        center={{
+          mudPointBalance: buildMudPointBalance(29),
+          membership: buildNormalMembership(),
+          pointProducts: buildPointProducts(),
+          membershipPlans: [STARTER_PLAN],
+          latestOrder: null,
+          hasPointsRecharged: false,
+        }}
+        isLoading={false}
+        error={null}
+        submittingProductId={submittingProductId}
+        nativePayment={null}
+        membershipQuote={null}
+        isLoadingMembershipQuote={false}
+        membershipQuoteError={null}
+        onClose={vi.fn()}
+        onRetry={vi.fn()}
+        onBuy={vi.fn()}
+        onRequestMembershipQuote={vi.fn()}
+        onSubmitMembershipCheckout={vi.fn()}
+        onConfirmNativePayment={vi.fn()}
+        onCloseNativePayment={vi.fn()}
+      />
+    );
+
+    const { rerender } = render(renderModal(null));
+    await user.click(
+      screen.getByRole('button', { name: 'Starter 月付 开通会员' }),
+    );
+
+    // 泥点订单提交中：会员结算 CTA 同样禁用，避免宿主守卫静默丢弃提交后直接关弹层。
+    rerender(renderModal('points_60'));
+    expect(
+      within(screen.getByRole('dialog', { name: '确认订单' })).getByRole(
+        'button',
+        { name: '支付 ¥39' },
+      ),
+    ).toHaveProperty('disabled', true);
+  });
+
   test('shows the empty state when the recharge tab has no point product', async () => {
     const user = userEvent.setup();
 

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

@@ -1074,7 +1074,8 @@ function PlatformRechargeCheckoutDialog({
   }
   const canSubmit =
     Boolean(plan) &&
-    !submitting &&
+    // 与充点分支一致：任一商品在途都禁用提交，避免静默无操作后直接关弹层。
+    !submittingProductId &&
     (!isUpgrade || Boolean(quoteForTarget)) &&
     amountCents > 0;