Merge bitcoin/bitcoin#31287: refactor: Avoid std::string format strings #69

Job	Run time
Win64 native, VS 2022	1h 53m 31s
ASan + LSan + UBSan + integer, no depends, USDT	1h 7m 42s
test each commit	0s
macOS 14 native, arm64, no depends, sqlite only, gui	19m 28s
	3h 20m 41s

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