fix v1.28.1: openings fully inert in View mode

- op-hit: pointer-events none + default cursor by default; interactive (grab,
  hover outline, drag) only inside Plan; lock badge is a pure indicator
- opening click edits in Plan with any tool; no interaction whatsoever in View
- smoke_inert_openings.mjs; TESTING.md updated

custom_components/houseplan/manifest.json

@@ -16,5 +16,5 @@
   "issue_tracker": "https://github.com/Matysh/houseplan-card/issues",
   "requirements": [],
   "single_config_entry": true,
-  "version": "1.28.0"
+  "version": "1.28.1"
 }