build(nix): pin the Rust toolchain to 1.97.1 via rust-overlay

nixpkgs 26.05 ships rustc 1.95.0, but this crate was developed and verified on
1.97.1 (what CachyOS had, installed 2026-07-17). Taking the compiler from
oxalica/rust-overlay decouples "which Rust the project targets" from "which
release the audio stack came from", so a nixpkgs bump can no longer move the
compiler under the lint gate as a side effect.

Chosen over rustup, which would also have worked here (nix-ld is enabled, so
its prebuilt binaries run) and would have let one rust-toolchain.toml cover the
packaging distroboxes too. The deciding factor is purity: rustup records
nothing in flake.lock, so a fresh clone or darp5 would resolve whatever it
fetched that day. rust-overlay gives the same exact-version control with the
choice pinned in the lock.

`.default` is the rustup "default" profile — rustc, cargo, rust-std, rustfmt
and clippy — so those are no longer listed individually. No windows-gnu target
here: pixelpass is Linux-only, unlike peerspeak.

Verified on 1.97.1: 256 tests pass, fmt clean, and `cargo clippy --all-targets
-- -D warnings` is clean.

flake.lock

@@ -18,7 +18,28 @@
     },
     "root": {
       "inputs": {
-        "nixpkgs": "nixpkgs"
+        "nixpkgs": "nixpkgs",
+        "rust-overlay": "rust-overlay"
+      }
+    },
+    "rust-overlay": {
+      "inputs": {
+        "nixpkgs": [
+          "nixpkgs"
+        ]
+      },
+      "locked": {
+        "lastModified": 1786076960,
+        "narHash": "sha256-jfR6OhwurCKn1tREyfOcK/Omxf1Q/DzDDFbnEr1mBLs=",
+        "owner": "oxalica",
+        "repo": "rust-overlay",
+        "rev": "57a23bfaf4f7017267294b161175db1e32eb1c85",
+        "type": "github"
+      },
+      "original": {
+        "owner": "oxalica",
+        "repo": "rust-overlay",
+        "type": "github"
       }
     }
   },