feat: add Team billing tier

Widens the tier enum from free/pro to free/pro/team and every
"free" | "pro" cast that assumed exactly two tiers (~30 call sites:
every AI route's withAiQuota/checkAndIncrementTierLimit call, admin
user/invite management, upload quota checks, OpenAPI schemas). Team
sits above Pro with genuinely unlimited recipes/public-recipes (the
-1 sentinel, which Pro doesn't actually use — Pro uses large finite
numbers instead) and a higher AI-call/storage cap. Seeded via
db:seed, editable afterward from Admin > Tiers.

role (user/moderator/admin — permissions) and tier (free/pro/team —
billing limits) stay separate concepts, as they already were; this
does not touch role-based permissions.

Requires migration 0043 to run against a live DB — not applied in
this sandbox (no Docker here); run `pnpm db:migrate` then `pnpm db:seed`.

v0.44.0

apps/web/app/api/v1/ai/cooking-chat/route.ts

@@ -40,7 +40,7 @@ export async function POST(req: NextRequest) {
   const locale = (session!.user as { locale?: string }).locale ?? "en";
   const lang = LANG[locale] ?? "English";
 
-  const result = await withAiQuota(session!.user.id, session!.user.tier as "free" | "pro", () =>
+  const result = await withAiQuota(session!.user.id, session!.user.tier as "free" | "pro" | "team", () =>
     generateText({
       model,
       system: `You are Epicure, a helpful culinary assistant answering general cooking questions — not tied to any specific recipe (techniques, substitutions, timing, equipment, food safety, etc). If asked who you are or what model/AI you're built on, say you're Epicure — never name the underlying model or provider. If a question has nothing to do with cooking or food, politely redirect. Keep answers under 200 words. Respond in ${lang}.${bioContext}`,