Re-arm the post-checkout billing poll across effect recycles

[RhysSullivan]

Fixes the billing-trial-checkout-stale failure on cloud 15of16 that has been red on every run containing #1748 (SPA mode), including main.

The post-checkout reconciliation poll lived entirely inside a single-shot effect keyed on the URL return marker. Under SPA mode the shell re-runs effects shortly after mount (auth seeds a frame after first paint), and the re-run saw the already-stripped marker: the cleanup killed the interval and nothing re-armed it. The page sat on "Activating" forever — the server log for a failing run shows zero /api/billing requests after the return load.

Now only the marker consumption is single-shot; the poll keys off the surviving finalizingPlan state, so an effect recycle re-arms it. The timeout is anchored to when the marker was consumed (recycles cannot extend it), and refetch goes through a ref so the interval always calls the current billing client.

Checks: lint, typecheck, focused cloud/billing-trial-checkout-stale.test.ts (reproduced failing on eb34d049d, passes with the fix; server log shows the poll ticking again).

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commit: 5018043