fix(settings): fix 404 on /settings for root user on cloud instance

- Make Server property nullable in Settings components (Index, Advanced, Updates)
- Add conditional server loading: only load when not on cloud
- Add null checks before using server for DNS validation and proxy configuration
- Fix isInstanceAdmin() to check root team's pivot role directly instead of current team
- Make root team (id=0) bypass subscription check on cloud
- Remove isInstanceAdmin() from main middleware bypass: only settings/admin routes are exempted
- Update isSubscribed() to only check isSubscriptionActive() for navbar consistency

🤖 Generated with [Claude Code](https://claude.com/claude-code)

Co-Authored-By: Claude Haiku 4.5 <noreply@anthropic.com>

app/Models/User.php

@@ -297,7 +297,8 @@ class User extends Authenticatable implements SendsEmail
     {
         $found_root_team = Auth::user()->teams->filter(function ($team) {
             if ($team->id == 0) {
-                if (! Auth::user()->isAdmin()) {
+                $role = $team->pivot->role;
+                if ($role !== 'admin' && $role !== 'owner') {
                     return false;
                 }