feat(billing): add INTERNAL_TESTER_EMAILS allowlist for self-serve soft cutover

Phase O Task 46 needs internal validation of the full self-serve flow
against the prod backend before flipping SELF_SERVE_ENABLED public. This
adds the per-email allowlist that bypasses the global flag for specific
authenticated users.

- INTERNAL_TESTER_EMAILS: comma-separated list, parsed by a Pydantic
  field_validator into a normalized lowercase list. Settings.is_internal_tester
  and Settings.is_self_serve_active_for centralize the allowlist + global-flag
  check; both endpoints below call the latter.
- New get_current_user_optional dep — best-effort auth that returns None
  on missing/invalid token instead of 401. Used by /config/public so the
  same endpoint serves anonymous public callers and authenticated allowlist
  members.
- /config/public now accepts optional auth and returns self_serve_enabled=True
  for authenticated allowlist members even when the global flag is off.
  Anonymous callers always see the global flag.
- /auth/register replaces the SELF_SERVE_ENABLED check with the helper so a
  registering email on the allowlist can join without an invite code.
  Non-allowlist emails still 400 when self-serve is off.
- docker-compose.dev.yml passes SELF_SERVE_ENABLED + INTERNAL_TESTER_EMAILS
  through; backend/.env.example documents both.

Tests cover: allowlisted authenticated user sees true, non-allowlisted
authenticated user sees the global flag, anonymous calls ignore the
allowlist, allowlisted email registers without invite code, non-allowlisted
email still blocked.

Co-Authored-By: Claude Opus 4.7 (1M context) <noreply@anthropic.com>

backend/.env.example

@@ -29,4 +29,14 @@ CW_CLIENT_ID=<CONNECTWISE CLIENT ID>
 # When unset, app/core/config.py:stripe_enabled returns False and Stripe code paths short-circuit.
 STRIPE_SECRET_KEY=sk_test_
 STRIPE_PUBLISHABLE_KEY=pk_test_
-STRIPE_WEBHOOK_SECRET=whsec_
+STRIPE_WEBHOOK_SECRET=whsec_
+
+# Self-serve cutover
+# SELF_SERVE_ENABLED is the master switch for the public self-serve signup
+# flow (pricing page, invite-code-optional registration). Default is false
+# until Phase O cutover.
+# INTERNAL_TESTER_EMAILS is a comma-separated allowlist that bypasses the
+# global flag for specific users — used for prod test-mode validation
+# before the public flip. Empty by default.
+SELF_SERVE_ENABLED=false
+INTERNAL_TESTER_EMAILS=