Convert settings from a dedicated /settings page into a modal driven by ?settings=<tab> URL state, opened from the profile menu, header, bottom nav, and command palette. Old /settings#<tab> links redirect into it.
- Shared SettingsContent (rail nav + tabs) rendered by the modal
- Rail-top org switcher with create-organization
- Account: carded profile + plan badge, Overview stat tiles, toggle-based Org Context, compact Team members (hides own row when solo)
- Integrations nav and the MCP connect button link out to the integrations view (cat=ai-clients)
- Billing: drop unused payment_method expand that slowed plan load
- Fix nested-button hydration error in FeaturedHero
