rename: "Team" billing tier to "Family"

All literal "team" tier-value references renamed to "family" across
API routes, admin UI, OpenAPI schemas, and lib/tiers.ts. The DB enum
value itself is renamed in place via ALTER TYPE ... RENAME VALUE
(migration 0044) rather than drizzle-kit's auto-generated
drop-and-recreate-the-enum migration, which would have failed against
any existing row still holding 'team' — RENAME VALUE preserves
existing data with no cast/backfill needed.

Also adds STRIPE_PLAN.md — a full Stripe billing integration plan
(Checkout+Portal, tier→Price mapping, admin billing dashboard, and a
multi-user Family-group design since Family is meant to cover several
accounts under one subscription, not one payer). Planning only, no
Stripe code yet.

v0.47.0

apps/web/lib/changelog.ts

@@ -1,5 +1,5 @@
 // Mirrors CHANGELOG.md at the repo root — update both together.
-export const APP_VERSION = "0.46.2";
+export const APP_VERSION = "0.47.0";
 
 export type ChangelogEntry = {
   version: string;
@@ -11,6 +11,11 @@ export type ChangelogEntry = {
 };
 
 export const CHANGELOG: ChangelogEntry[] = [
+  {
+    version: "0.47.0",
+    date: "2026-07-18 00:30",
+    notes: "Renamed the \"Team\" billing tier to \"Family\" (free/pro/family) — same limits, same admin editing, just the name. Existing Team users keep their tier/limits unaffected; the DB enum value itself was renamed in place (no data migration needed).",
+  },
   {
     version: "0.46.2",
     date: "2026-07-17 19:20",