Seed household settings at boot and serve the settings API

Port of Feature 04 task 3 (7629cab) onto Feature 04 + Feature 03.

On first boot create the single household_settings row with the zone from
MEALQUEST_DEFAULT_TZ and the seed times and days (dinner 17:30, reminder
16:30, rotation check 09:00, plan draft Fri 09:00, suggestions Sun 08:00,
chat autosend Sat 08:00). An existing row is never overwritten.

Add household.SettingsService with Get, a validating Update (IANA zone,
zero-padded 24-hour HH:MM, day of week 0-6) that records updated_by, and
in-process Subscribe for the scheduler. Serve it as GET and PATCH
/api/v1/settings/household; invalid input is a 400 in the standard error
body. Migration 0002 adds household_settings.updated_by. Link time/tzdata
from internal/household so zones load in the minimal image.

Review fixes:
- F1: the settings routes are mounted on the protected /api/v1 subrouter,
  so they need a session (RequireSession) and, for PATCH, the CSRF token.
  updated_by is the session actor's subject from auth.ActorFrom; the
  duplicate internal/actor package is dropped, and Update refuses an empty
  member instead of storing NULL. A test drives PATCH through the
  production router with a real SessionManager session.
- F2: config no longer validates MEALQUEST_DEFAULT_TZ. Seeding requires a
  valid zone only when it creates the row (ErrNoDefaultZone,
  ErrInvalidDefaultZone, both naming the variable at boot), so a reboot
  over existing settings ignores a missing or invalid default.

Co-Authored-By: Claude Opus 5.5 <noreply@anthropic.com>

migrations/queries/settings.sql

@@ -10,12 +10,12 @@ INSERT INTO household_settings (
 	id, timezone, dinner_time, reminder_time, review_time, plan_draft_dow,
 	plan_draft_time, suggestions_dow, suggestions_time, chat_autosend_dow,
 	chat_autosend_time, onboarding_completed_at, updates_seen_at,
-	created_at, updated_at
+	updated_by, created_at, updated_at
 ) VALUES (
 	1, ?, ?, ?, ?, ?,
 	?, ?, ?, ?,
 	?, ?, ?,
-	?, ?
+	?, ?, ?
 )
 ON CONFLICT (id) DO UPDATE SET
 	timezone = excluded.timezone,
@@ -30,6 +30,7 @@ ON CONFLICT (id) DO UPDATE SET
 	chat_autosend_time = excluded.chat_autosend_time,
 	onboarding_completed_at = excluded.onboarding_completed_at,
 	updates_seen_at = excluded.updates_seen_at,
+	updated_by = excluded.updated_by,
 	updated_at = excluded.updated_at
 RETURNING *;