import: remediate review findings — ledger gate, docs, message split

Delegates the refuse-gate to ledgerDegraded(), lifts its console message into a
pure testable fold, fixes stale doc line citations and an inaccurate outcome-enum
comment, and splits the rename counter into collision-vs-sanitize.

src/shell/panel/panel_window.cpp

@@ -16,6 +16,9 @@
 #include "shell/panel/draw_kit.h"
 #include "shell/actions/ingest.h"
 #include "shell/actions/package_import_action.h"
+#include "core/package/import_plan.h"
+#include "core/version/app_version.h"
+#include "shell/persist/session.h"  // ReaSamplerSession::ledgerStatus() — panel_state.h only forward-declares it
 
 #ifdef _WIN32
 #include <windowsx.h>  // GET_X_LPARAM / GET_Y_LPARAM (SWELL supplies them on mac/linux)
@@ -29,6 +32,7 @@
 #define REAPERAPI_WANT_DockWindowActivate
 #define REAPERAPI_WANT_DockWindowRemove
 #define REAPERAPI_WANT_GetMainHwnd
+#define REAPERAPI_WANT_ShowConsoleMsg
 #include "reaper_plugin_functions.h"
 
 // main.cpp owns the module instance handle.
@@ -72,9 +76,21 @@ void handleDropFiles(HDROP hDrop) {
         else paths.push_back(std::move(p));
     }
     DragFinish(hDrop);
-    if (g_panel.session)
-        for (const std::string& pkg : packages)
-            doImportBankPackageFile(*g_panel.session, pkg);
+    if (g_panel.session && !packages.empty()) {
+        // One refusal block for the whole drop, not one per dropped .rsbank: the gate
+        // decision is the same for all N (session state does not change mid-drop), so
+        // checking it here first avoids doImportBankPackageFile's own per-file gate
+        // check printing the identical console block N times.
+        const package::LedgerRefusal refusal =
+            package::importLedgerRefusal(g_panel.session->ledgerStatus());
+        if (refusal != package::LedgerRefusal::None) {
+            ShowConsoleMsg(
+                package::ledgerRefusalMessage(refusal, version::extStateNamespace()).c_str());
+        } else {
+            for (const std::string& pkg : packages)
+                doImportBankPackageFile(*g_panel.session, pkg);
+        }
+    }
     if (!paths.empty()) ingestDroppedFiles(paths);
 }