feat: exhaustive STUB instrumentation - 241 panic sites across VMM/kernel + whitelist alignment

- VMM cluster: XJ3-E/LIN-E/VMM-E/VMX-E/EPT-E/IPC-E/VVB-E (124 sites)

- kernel cluster: TST-E/MM-E/UTRW-E/LAPIC-E/IDT-E/SAS-E/PRB-E/NETST-E/DKM-E (117 sites)

- whitelist fixes: vmm_init env probes E10-E14 fallback, disk_log read-only block path, DSL-E05 non-FAT32 device 0 probe

- QEMU smoke: wizard -> USER.CONF -> login -> desktop ready, zero spurious panic

CODE/UTSM/vmm/virtio_net.c

@@ -14,6 +14,7 @@
  */
 
 #include <utsm/virtio_mmio.h>
+#include <utsm/panic.h>
 #include <utsm/linux_loader.h>
 #include <utsm/net.h>
 #include <utsm/log.h>