feat(member): account/profile polish + tier upgrade flow

- Timezone: curated USelectMenu dropdown (app/config/timezones.js), preserves unknown saved values
- Profile save now uses useToast() for success/error; remove inline save banner
- Nav onboarding dot nudged down 1px for optical alignment with lowercase text
- Onboarding: skip a suggestion with POST /api/onboarding/track {skip}; member.onboarding.skipped map; does not affect graduation
- CirclePicker takes :saved-value so 'Current' badge stays until save completes
- PrivacyToggle is binary (USwitch labeled Private); member schema enum reduced to ['members','private']; zod coerces legacy 'public'
- New /member/payment-setup page: HelcimPay $0 verify + update-contribution, wired from account.vue via requiresPaymentSetup redirect
- Helcim portal: NUXT_PUBLIC_HELCIM_PORTAL_URL env + account.vue 'Manage billing in Helcim' link
- Migration script: scripts/migrate-privacy-public-to-members.js

app/components/OnboardingWidget.vue

@@ -26,6 +26,12 @@
         <div class="ow-progress">
           <span class="ow-bar"><span class="ow-bar-fill">{{ barFill }}</span><span class="ow-bar-empty">{{ barEmpty }}</span></span>
           {{ completedCount }} of 4 explored
+          <button
+            v-if="currentSuggestion.key"
+            type="button"
+            class="ow-skip"
+            @click="handleSkip"
+          >Skip this</button>
         </div>
       </template>
 
@@ -62,7 +68,12 @@
 </template>
 
 <script setup>
-const { goals, isComplete, currentSuggestion, trackGoal, loading } = useOnboarding()
+const { goals, isComplete, currentSuggestion, trackGoal, skipSuggestion, loading } = useOnboarding()
+
+const handleSkip = () => {
+  const key = currentSuggestion.value?.key
+  if (key) skipSuggestion(key)
+}
 
 const completedCount = computed(() => {
   const g = goals.value
@@ -144,4 +155,22 @@ const barEmpty = computed(() => '-'.repeat((4 - completedCount.value) * 2) + ']'
 .ow-bar-empty {
   color: rgba(237, 228, 208, 0.2);
 }
+
+.ow-skip {
+  margin-left: auto;
+  background: none;
+  border: none;
+  color: var(--parch-text-dim);
+  font-family: inherit;
+  font-size: 11px;
+  cursor: pointer;
+  padding: 0;
+  text-decoration: underline;
+  text-decoration-style: dashed;
+  text-underline-offset: 2px;
+}
+
+.ow-skip:hover {
+  color: var(--parch-accent);
+}
 </style>