refactor(game-client): simplify chat and guild helpers

[kamilwronka]

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[chatgpt-codex-connector]

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[chatgpt-codex-connector]

Refetch stale guild data when mounting useGuilds

Setting refetchOnMount to false here can leave user-guilds stale for long periods because this app persists React Query cache (maxAge 15 minutes in src/lib/query-client.ts) and also disables window-focus refetch globally. In practice, after guild membership/name changes, components that depend on useGuilds (e.g. guild switcher/chat/notifications/timers) can continue using outdated guild IDs and labels until manual invalidation, which is a functional regression from the previous mount-refetch behavior for stale data.

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