v3.31.2: the SCP81 TLS-PSK Python floor, documented and guarded

ssl's TLS-PSK callbacks (PskTlsServer) exist only since Python 3.13 - the
first CI run on 3.12 errored in all 20 PSK tests, and the docs confirm
"Added in version 3.13".

- PskTlsServer._make_context raises a clear RuntimeError naming the
  requirement instead of AttributeError; a source pin keeps the guard.
- tests/test_scp81.py skips PskTlsServerTest where the callbacks are
  missing (it runs on 3.13+), so contributors on 3.9-3.12 no longer see
  20 failures.
- The READMEs state the requirement, and the Windows notes now strongly
  recommend Python 3.13: pyscard has wheels up to 3.13, and on 3.14
  pyscard and some pysim dependency wheels are unavailable and build
  from source (MSVC).  setup.bat and setup.sh print the same guidance.
- Version strings + the PWA cache bumped together (simple-v457).

998 Python + 953 frontend green.

frontend/sw.js

@@ -1,4 +1,4 @@
-const CACHE = 'simple-v456';
+const CACHE = 'simple-v457';
 const URLS = [
   'index.html',
   'help.html',