When headTail budgets cover the whole stream, omitted is 0 and the two
retained halves are contiguous — the split is artificial and a multibyte
codepoint can straddle it. finish() now decodes the contiguous buffer as one
in that case; the per-side UTF-8 boundary trims and separate decoding apply
only when a real middle gap exists. Without this, a headTail retainer could
drop a character while reporting truncated:false.