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>

apps/web/src/components/__tests__/turn-navigation.test.tsx

@@ -6,11 +6,19 @@ import { combatantId } from "@initiative/domain";
 import { cleanup, render, screen } from "@testing-library/react";
 import { afterEach, describe, expect, it, vi } from "vitest";
 
-// Mock the context module
+// Mock the context modules
 vi.mock("../../contexts/encounter-context.js", () => ({
 	useEncounterContext: vi.fn(),
 }));
 
+vi.mock("../../contexts/player-characters-context.js", () => ({
+	usePlayerCharactersContext: vi.fn().mockReturnValue({ characters: [] }),
+}));
+
+vi.mock("../../contexts/bestiary-context.js", () => ({
+	useBestiaryContext: vi.fn().mockReturnValue({ getCreature: () => undefined }),
+}));
+
 import { useEncounterContext } from "../../contexts/encounter-context.js";
 import { TurnNavigation } from "../turn-navigation.js";