Add complex-background matting mode to the service via background_mode

Backports master's non-flat matting (chroma.enabled: false + the hue-free
cross-check gate) into server-edition, and exposes it over HTTP without
surfacing the internal "chroma" wording: /remove-background gains a
background_mode form field (flat, default | complex). complex maps to
chroma disabled -- no colour key, segmentation alone drives the trimap and
every colour-keyed stage (auto-detect, hue split, chroma suppression,
despill) is bypassed. The cross-check veto still works in complex mode via
its second-opinion-confidence gate (cross_check.second_lo/hi) but defaults
OFF there (it costs the HR-matting forward); an explicit cross_check=on
re-enables it.

No new model weights: complex mode reuses the already-provisioned BiRefNet
seg + ViTMatte (+ optional HR-matting cross-check). Flat mode is unchanged
(bit-identical), and server-edition's own extras (cross_check.lock,
foreground.use_gpu CuPy path) are preserved -- the port is surgical, not a
copy of master's files.

- settings: ChromaSettings.enabled, CrossCheckSettings.second_lo/hi
- config: override_settings chroma passthrough
- despill/foreground: model=None safe guards (foreground keeps GPU path)
- alpha_post: cross_check_alpha hue-free gate when proj is None
- pipeline: _process_rgb complex branch (seg-only trimap, skip colour stages)
- service/app: process(chroma=), background_mode field, complex-defaults-off
  cross-check, X-BGFilter-Background-Mode header
- cli: --chroma/--no-chroma
- configs/docs: gpu.yaml + default.yaml + README/README_ZH

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>

bgfilter/cli.py

@@ -24,6 +24,7 @@ def main(
     device: str | None = typer.Option(None, "--device"),
     precision: str | None = typer.Option(None, "--precision", help="Compute precision for all models (ViTMatte cast + BiRefNet autocast): fp32 (default) | bf16 (faster + halves matting activation memory; needs bf16-capable hardware, else falls back to fp32)"),
     screen_color: str | None = typer.Option(None, "--screen-color", help="Background colour prior as #RRGGBB (default: auto-detect the flat background colour)"),
+    chroma: bool | None = typer.Option(None, "--chroma/--no-chroma", help="Flat-colour background mode (default: on). --no-chroma is non-flat/complex-background mode: no colour key, segmentation drives the trimap; needs a segmentation backend + matting_method vitmatte"),
     matting_method: str | None = typer.Option(None, "--matting-method"),
     fallback_to_chroma_alpha: bool | None = typer.Option(None, "--fallback-to-chroma-alpha/--no-fallback-to-chroma-alpha"),
     sure_bg_threshold: float | None = typer.Option(None, "--sure-bg-threshold", min=0.0, max=1.0),
@@ -43,6 +44,7 @@ def main(
             device=device,
             precision=precision,
             screen_color=screen_color,
+            chroma=chroma,
             matting_method=matting_method,
             fallback_to_chroma_alpha=fallback_to_chroma_alpha,
             sure_bg_threshold=sure_bg_threshold,