CVE-2026-97394: kin-openapi: Nil-pointer dereference panic in openapi3filter for OpenAPI 3.1 array schemas missing items

A nil-pointer dereference in openapi3filter lets any unauthenticated client crash a request handler with a single HTTP request against an OpenAPI 3.1 operation that declares type: array without items. OpenAPI 3.1 (JSON Schema 2020-12) permits omitting items, and doc.Validate() accepts such schemas with Schema.Items == nil. Request/response decoders then dereference Items with no nil check. The panic is deterministic (100%) on every request to the affected operation. There is no recover() in openapi3filter; under handlers without per-request recover the process can exit.