Add encounter difficulty indicator (5.5e XP budget)

Live 3-bar difficulty indicator in the top bar showing encounter
difficulty (Trivial/Low/Moderate/High) based on the 2024 5.5e XP
budget system. Automatically derived from PC levels and bestiary
creature CRs.

- Add optional level field (1-20) to PlayerCharacter
- Add CR-to-XP and XP Budget per Character lookup tables in domain
- Add calculateEncounterDifficulty pure function
- Add DifficultyIndicator component with color-coded bars and tooltip
- Add useDifficulty hook composing encounter, PC, and bestiary contexts
- Indicator hidden when no PCs with levels or no bestiary-linked monsters
- Level field in PC create/edit forms, persisted in storage

Closes #18

Co-Authored-By: Claude Opus 4.6 (1M context) <noreply@anthropic.com>

README.md

@@ -7,7 +7,8 @@ A local-first initiative tracker and encounter manager for tabletop RPGs (D&D 5e
 - **Initiative tracking** — add combatants (batch-add from bestiary, custom creatures with optional stats), roll initiative (manual or d20), cycle turns and rounds
 - **Encounter state** — HP, AC, conditions, concentration tracking with visual status indicators
 - **Bestiary integration** — import bestiary JSON sources, search creatures, and view full stat blocks
-- **Player characters** — create reusable player character templates with name, AC, HP, color, and icon; search and add them to encounters with pre-filled stats; manage (edit/delete) from a dedicated panel
+- **Player characters** — create reusable player character templates with name, AC, HP, level, color, and icon; search and add them to encounters with pre-filled stats; manage (edit/delete) from a dedicated panel
+- **Encounter difficulty** — live 3-bar indicator in the top bar showing encounter difficulty (Trivial/Low/Moderate/High) based on the 2024 5.5e XP budget system; automatically derived from PC levels and bestiary creature CRs
 - **Undo/redo** — reverse any encounter action with Undo/Redo buttons or keyboard shortcuts (Ctrl+Z / Ctrl+Shift+Z, Cmd on Mac); history persists across page reloads
 - **Import/export** — export the full encounter state (combatants, undo/redo history, player characters) as a JSON file or copy to clipboard; import from file upload or pasted JSON with validation and confirmation
 - **Persistent** — encounters survive page reloads via localStorage; bestiary data cached in IndexedDB; player characters stored independently