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/lib/ai/ai-error.ts

@@ -54,7 +54,7 @@ type QuotaResult<T> = { ok: true; data: T } | { ok: false; response: NextRespons
  */
 export async function withAiQuota<T>(
   userId: string,
-  tier: "free" | "pro",
+  tier: "free" | "pro" | "team",
   fn: () => Promise<T>,
   opts?: { skipQuota?: boolean }
 ): Promise<QuotaResult<T>> {