docs(graph): frame colon paths as "encode segments" instead of a raw-colon edge case

Per review discussion: don't document accidental behavior. The contract is
simply "percent-encode each path segment, as MS Graph requires; encode ':'
as %3A" - OpenCloud allows ':' in names (OneDrive forbids it), so it's one
more character in the mandatory encode set, not a special case.

The parser is unchanged (split on ":/", decode once). This only rewrites the
docs (code comment, acceptance feature, PR description) to state the encode
contract, and drops the tests that relied on a raw, unencoded ':' in a file
name - keeping the "%3A" test that reflects the actual contract.
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