refactor(sponsorkit): address CodeRabbit feedback on #5724

[taliesin-ai]

Follow-up to #5724, which was merged while CodeRabbit's review was still processing. Addresses the four actionable findings from its review:

• Band/prBandMins coupling: the PR-metric thresholds are now a PRMinCredit field on Band itself, so the band list and thresholds cannot drift apart and panic.
• Hover gating: the animated ring's hover-only bloom/fast layers are now emitted only when Band.Hover is set, matching the static branch (no output change for the current config).
• Rate limiting: the per-login lookupUser fallbacks (changelog-only and PR-only contributors) are throttled at the same 100ms cadence as the paginated fetches, so they can't burst into GitHub's secondary rate limits during the nightly run.
• Test coverage: table-driven unit tests for changelogMentions (profile-link precedence, npm scopes, display handles, emails, trailing hyphens) and Credit() (both metrics, mention max-taking, commit-only floor).

Two findings were declined with reasons — see the reply on #5724: the avatar raw-bytes fallback (alpha composites over the card background inside the SVG, and gating on Opaque() would forfeit the identicon size win the fallback exists for) and the shared embed component (the markup spans two different doc systems, Astro Starlight and Docusaurus, plus the LLM translation pipeline).

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