fix(storage): count a finished Bunny upload the moment it lands

Two reasons the number on the storage page could read as nothing.

The per-user Bunny figure was computed inside a two minute cache. The declared
size lands on the row in the same transaction that deletes the reservation, so
for up to two minutes an upload that had just succeeded counted as nothing:
usage fell back towards zero and the next upload was measured against a total
that ignored the one before it. The call to Bunny stays cached, because it is
the slow half and its answer is the same for everybody. The join against our own
rows is now read fresh, per user, on every check.

A failed call to Bunny returned an empty map before it had looked at a single
row, so an account with gigabytes of declared uploads read as empty whenever
Bunny was unreachable. Bunny's figure being gone is not a reason to forget the
sizes we wrote down ourselves.

The rule for which of the two numbers to charge is unchanged, and the comment
above it now says why rather than guessing. What Bunny reports mid-encode is
partial: storageSize counts what has been written so far and climbs as each
rendition lands. A six minute cut uploaded at 2.5 GB read as 475 MB halfway
through and settled above 3 GB once it finished, because Bunny keeps the
original alongside every rendition. Taking the larger of the declared size and
Bunny's is right at every point on that curve; taking Bunny's whenever it is
non-zero would hand most of the quota back in the middle of an encode.

The settings card also claimed a 200 GB limit while showing a 3 GB one, and told
a trial account to delete files or contact support.

tests/setup/api.ts

@@ -146,14 +146,15 @@ vi.mock('@/lib/stripe', async (importOriginal) => {
 // ---------------------------------------------------------------------------
 // Bunny storage stats
 // ---------------------------------------------------------------------------
-// getCachedUserBunnyStorage() is an HTTP call to the Bunny API, and it sits in
-// the middle of reserveStorageQuota(). Default to "no Bunny bytes"; the quota
-// suite overrides it to prove Bunny usage counts against the limit.
+// Both of these reach the Bunny API, and getUserBunnyStorageBytes() sits in the
+// middle of reserveStorageQuota(). Default to "no Bunny bytes"; the quota suite
+// overrides them to prove Bunny usage counts against the limit.
 vi.mock('@/lib/admin-stats', async (importOriginal) => {
   const actual = await importOriginal<typeof import('@/lib/admin-stats')>();
   return {
     ...actual,
     getCachedUserBunnyStorage: vi.fn(async () => ({}) as Record<string, number>),
+    getUserBunnyStorageBytes: vi.fn(async () => 0),
   };
 });