docs: Add lazy loading and on-demand strategy to audio refactor

Updated AUDIO_LIFECYCLE_REFACTOR.md to support lazy loading instead of
eager "load all at init" approach.

Key changes:
- Lazy loading with 1-2s pre-warming lookahead (recommended)
- On-demand decompression for compressed assets (future)
- Cache eviction policy for long demos (optional)
- Async background loading (post-MVP enhancement)

Benefits over eager loading:
- Instant startup (no upfront loading delay)
- Memory efficient (only load active + upcoming samples)
- No trigger stutter (pre-warming prevents load-on-access)
- Spreads load cost over time

Example timeline:
  t=0.0s: Load 0 samples (instant)
  t=0.0s: Pre-warm 3-5 samples for next 2s
  t=1.0s: Pre-warm 2-3 more samples
  By t=10s: Only ~10 samples loaded (not all 19)

Addresses concern about "load all samples at init" being too costly.

Co-Authored-By: Claude Sonnet 4.5 <noreply@anthropic.com>

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