test: expand offline descriptor test coverage to include all BIP descriptor constructors

[Arowolokehinde]

What is missing

tests/test_offline_descriptor.py currently contains a single test:

test_descriptor_bip86 — tests Descriptor.new_bip86() for the external keychain only

bdkpython exposes 8 BIP descriptor template constructors (from bdk_wallet::template)
across 4 standards, each with a private key variant (DescriptorSecretKey) and a
watch-only public key variant (DescriptorPublicKey), plus 3 miniscript multisig
constructors. None of the following have test coverage today:

Constructor	Standard	Script type	Tested?
Descriptor.new_bip44()	BIP44	pkh(...)	No
Descriptor.new_bip44_public()	BIP44	pkh(...)	No
Descriptor.new_bip49()	BIP49	sh(wpkh(...))	No
Descriptor.new_bip49_public()	BIP49	sh(wpkh(...))	No
Descriptor.new_bip84()	BIP84	wpkh(...)	No
Descriptor.new_bip84_public()	BIP84	wpkh(...)	No
Descriptor.new_bip86() internal	BIP86	tr(...)	No
Descriptor.new_bip86_public()	BIP86	tr(...)	No
Descriptor.new_wsh_sortedmulti()	miniscript	wsh(sortedmulti(...))	No
Descriptor.new_sh_sortedmulti()	miniscript	sh(sortedmulti(...))	No
Descriptor.new_sh_wsh_sortedmulti()	miniscript	sh(wsh(sortedmulti(...)))	No

What I propose to add

13 new tests in tests/test_offline_descriptor.py covering:

• BIP44 — external keychain, internal keychain, and watch-only (new_bip44_public) variant
• BIP49 — external keychain, internal keychain, and watch-only (new_bip49_public) variant
• BIP84 — external keychain, internal keychain, and watch-only (new_bip84_public) variant
• BIP86 — internal keychain and watch-only (new_bip86_public) variant (external already exists)
• Multisig — new_wsh_sortedmulti and new_sh_sortedmulti 2-of-3

I am intentionally leaving new_sh_wsh_sortedmulti out of this PR to keep the scope
focused, and can follow up with a separate issue if the maintainers consider it worthwhile.

All tests will be:

• Fully offline — no network access required
• Deterministic — fixed test mnemonic so expected outputs are independently verifiable
  with any compatible BIP32/BIP44/BIP49/BIP84/BIP86 implementation
• Following the same pattern as the existing test: fixed mnemonic → derive key → assert full descriptor string including checksum

Why this matters

Descriptor construction is the first thing every bdkpython user does — it is required
to create a Wallet. Without test coverage for these constructors, a regression in the
FFI layer (e.g. wrong derivation path, wrong script type, wrong network prefix, wrong
checksum) would go undetected until a user reports it in production.

Each test pins the full descriptor output string to a known-correct value, which means
any future change to the FFI type conversion or the bdk_wallet::template behavior
that silently produces wrong output will immediately fail CI.

This is a pure Python addition — no changes to the Rust layer.

Checklist before I open a PR

• Maintainer confirms this contribution is welcome
• I will follow the existing file structure in tests/test_offline_descriptor.py
• I will verify all expected values against the fixed mnemonic before submitting

---