PC3 Phase 3.3 fix: RATE_LIMIT_ENABLED flag so the smoke suite isn't throttled

Every checkpoint smoke test registers users against one backend from one
client IP, so the per-IP auth limit tripped mid-suite (main_menu_full_flow
-> 2/12). Add RATE_LIMIT_ENABLED (default true); run_checkpoint_tests.py
sets it false for its backend. test_rate_limit.py forces it on in-fixture
so the limiter is still really tested.

Co-Authored-By: Claude Sonnet 5 <noreply@anthropic.com>
Claude-Session: https://claude.ai/code/session_015jtxAiu5dAW4WxCNdGkrkJ

backend/app/config.py

@@ -75,6 +75,10 @@ class Settings(BaseSettings):
     # CORS
     CORS_ORIGINS: str = "http://localhost:8080,http://localhost:3000"
 
+    # Per-IP auth rate limiting (app/rate_limit.py). Disabled by the
+    # checkpoint smoke suite, which runs every test from one client IP.
+    RATE_LIMIT_ENABLED: bool = True
+
     # File uploads
     UPLOAD_DIR: str = "uploads"
     MAX_UPLOAD_SIZE_MB: int = 100