feat(17B): add plan comparison grid to billing panel
Replaces the single "Upgrade to Plus" button with a 2×2 plan grid showing Free / Plus / Growth / Pro with price, token allowance, note cap, and a per-card CTA.
Logic: - Current tier card shows "Current plan" badge (no button) - Higher tiers show "Get [Tier] →" (no subscription) or "Upgrade to [Tier] →" (active subscriber) wired directly to redirectToCheckout({ tier }) - Lower tiers than current have no CTA (downgrade via Manage billing portal) - Grid renders as empty placeholder when Stripe is not configured or user is not signed in
"Manage billing →" portal button is kept in the action row below the grid so subscribers can always reach the Stripe portal for cancellation/payment. Legacy #btn-billing-upgrade kept hidden in DOM for backward-compat with existing startup event listener.
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