fix(user): improve cache key and remove redundant route check

- Include sessionTeamId in currentTeam() cache key to prevent stale
  team data when users switch teams
- Update refreshSession() to use new cache key format
- Remove redundant routeIs('settings.index') check since settings.*
  already matches it

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

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

app/Http/Middleware/DecideWhatToDoWithUser.php

@@ -27,7 +27,7 @@ class DecideWhatToDoWithUser
             return $next($request);
         }
         // Instance admins can access settings and admin routes regardless of subscription
-        if (isInstanceAdmin() && ($request->routeIs('settings.*') || $request->routeIs('settings.index') || $request->path() === 'admin')) {
+        if (isInstanceAdmin() && ($request->routeIs('settings.*') || $request->path() === 'admin')) {
             return $next($request);
         }
         if (! auth()->user()->hasVerifiedEmail()) {