A cosmetic a mod installs is in no retail catalogue, so it carries no
rarity and its card shows none. Collector is the game's own sixth tier,
already styled and already worn by 395 retail items: it reads as
something apart without claiming to be Legendary, and invents nothing.
- A rarity_id from the content cache or the profile still wins, so
letting mod authors declare one later needs no change here.
- Guarded on catalogs.available: with no pack installed
reserved_cosmetic() answers false for everything, and every retail item
would have turned Collector.
- Build-kit objects share this message and are not cosmetics, so they are
left alone.