perf: speed up local test runs by moving coverage to optional script

Run vitest without coverage by default (pnpm test) and add pnpm test:coverage which enforces the coverage thresholds. CI keeps using the coverage run so thresholds are still enforced on every push.

package.json

@@ -16,7 +16,8 @@
 		"format": "biome format --write .",
 		"diag:permissions": "tsx scripts/diagnose-permission-page.ts",
 		"jobs:worker": "node --conditions=react-server --import tsx scripts/jobs-worker.ts",
-		"test": "vitest run",
+		"test": "vitest run --coverage.enabled=false",
+		"test:coverage": "vitest run",
 		"typecheck": "tsc --noEmit",
 		"db:generate": "drizzle-kit generate",
 		"db:introspect": "drizzle-kit introspect",