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/settings.py

@@ -5,6 +5,14 @@ from dataclasses import dataclass
 
 @dataclass(frozen=True)
 class ChromaSettings:
+    # False = non-flat-background mode (--no-chroma): no colour key at all.
+    # Segmentation alone drives the trimap (mode forced to "seg"), and the
+    # colour-keyed stages are bypassed: background auto-detect, the directional
+    # hue split, chroma alpha suppression, despill, and the unmix foreground
+    # fallback. The cross-check veto still runs (if enabled) with a hue-free
+    # gate -- see CrossCheckSettings.second_lo/hi. Requires
+    # segmentation.enabled and matting_method 'vitmatte'.
+    enabled: bool = True
     border_ratio: float = 0.04
     min_samples: int = 2048
     lab_sigma_min: float = 10.0
@@ -104,6 +112,13 @@ class CrossCheckSettings:
     feather_sigma: float = 2.0  # Gaussian feather of the zone boundary, in px
     gate_lo: float = 0.70       # primary alpha below this -> fully exempt
     gate_hi: float = 0.95       # primary alpha above this -> fully vetoable
+    # Complex-background mode only (chroma disabled -> no hue-defined suspect
+    # zone): the veto instead requires the second opinion itself to be
+    # confidently near-empty -- full strength at/below second_lo, none at/above
+    # second_hi. Thin structures the downsampled second model merely blurs to
+    # mid-alpha stay untouched; only decisively-rejected regions can be cleared.
+    second_lo: float = 0.15
+    second_hi: float = 0.40
 
 
 @dataclass(frozen=True)