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

server/models/member.js

@@ -80,42 +80,42 @@ const memberSchema = new mongoose.Schema({
   privacy: {
     pronouns: {
       type: String,
-      enum: ["public", "members", "private"],
+      enum: ["members", "private"],
       default: "members",
     },
     timeZone: {
       type: String,
-      enum: ["public", "members", "private"],
+      enum: ["members", "private"],
       default: "members",
     },
     avatar: {
       type: String,
-      enum: ["public", "members", "private"],
-      default: "public",
+      enum: ["members", "private"],
+      default: "members",
     },
     studio: {
       type: String,
-      enum: ["public", "members", "private"],
+      enum: ["members", "private"],
       default: "members",
     },
     bio: {
       type: String,
-      enum: ["public", "members", "private"],
+      enum: ["members", "private"],
       default: "members",
     },
     location: {
       type: String,
-      enum: ["public", "members", "private"],
+      enum: ["members", "private"],
       default: "members",
     },
     socialLinks: {
       type: String,
-      enum: ["public", "members", "private"],
+      enum: ["members", "private"],
       default: "members",
     },
     craftTags: {
       type: String,
-      enum: ["public", "members", "private"],
+      enum: ["members", "private"],
       default: "members",
     },
   },
@@ -142,6 +142,12 @@ const memberSchema = new mongoose.Schema({
     eventPageVisited: { type: Boolean, default: false },
     boardPageVisited: { type: Boolean, default: false },
     wikiClicked: { type: Boolean, default: false },
+    skipped: {
+      profileTags: { type: Boolean, default: false },
+      visitEvent: { type: Boolean, default: false },
+      board: { type: Boolean, default: false },
+      wiki: { type: Boolean, default: false },
+    },
   },
 
   createdAt: { type: Date, default: Date.now },