CONV-225: Implement cost breakdown

[menvil]

Summary

• Refactors ConfigDrivenConversionCostEstimator::makeCost() to use CreditCostBreakdown DTO
• Breakdown now uses typed DTO with toArray() serialization instead of plain array

Test plan

• ConversionCostEstimatorTest passes (6 tests total)

🤖 Generated with Claude Code

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Summary by cubic

Implements a typed conversion cost breakdown (CONV-225) by refactoring ConfigDrivenConversionCostEstimator::makeCost() to use CreditCostBreakdown. Behavior is unchanged, but the breakdown is now structured and serialized via toArray() for future extensions.

^{Written for commit 2f51528. Summary will update on new commits.}

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