The confidence bar that decides whether the AI's suggested category is
auto-applied to a transaction was a fixed config value
(ai_categorization.label_confidence, 0.7). Let each user tune it with a
slider in Settings > Manage Plan, next to the AI categorization toggle.
- Add nullable user_settings.ai_confidence_threshold (percent, 0-100);
null falls back to the global config default.
- User::aiConfidenceThresholdPercent() centralises the "user value else
config default" resolution used by both the billing page and the
categorization engine.
- CategorizeTransactions reads the per-user bar instead of the config.
- Gate tier-2 rule learning on the outcome being applied, so the
effective rule bar becomes max(label bar, rule_confidence): raising the
threshold to reduce automation now also holds back forward rules
(previously a suggestion above 0.85 could still spawn a rule even when
the user's raised bar left the transaction uncategorized).
- Slider (50-95%, debounced save) rendered when AI consent is on.
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