chore(effort): enable AutoCreateGenericRCourse in Dev and Test

[rlorenzo]

Enables the generic R-course auto-creation path in the Dev and Test environments so it can be exercised there. Production is unchanged: the base appsettings.json omits the key and the property defaults to false.

• appsettings.Development.json, appsettings.Test.json: set EffortSettings:AutoCreateGenericRCourse to true
• EffortSettings.cs: doc comment updated to describe the per-environment split

Config merging is per key, so VerificationEmailSubject and VerificationReplyDays keep their base values.

Testing

Harvest and on-demand effort entry on TEST will now create the RES 000R-001 / CRN RESID course and its effort records. That data will differ from PROD until the next TEST DB refresh.

[codecov-commenter]

Bundle Report

Bundle size has no change ✅

[codecov-commenter]

Codecov Report

✅ All modified and coverable lines are covered by tests.
✅ Project coverage is 42.38%. Comparing base (eeb5b70) to head (360f097).
⚠️ Report is 7 commits behind head on main.

Additional details and impacted files

@@            Coverage Diff             @@
##             main     #321      +/-   ##
==========================================
+ Coverage   42.11%   42.38%   +0.26%     
==========================================
  Files         993      994       +1     
  Lines       49854    49877      +23     
  Branches     5883     5887       +4     
==========================================
+ Hits        20998    21142     +144     
+ Misses      27929    27798     -131     
- Partials      927      937      +10     

Flag	Coverage Δ
backend	40.36% <ø> (+0.30%)	⬆️
frontend	58.96% <ø> (ø)

Flags with carried forward coverage won't be shown. Click here to find out more.

Files with missing lines	Coverage Δ
web/Areas/Effort/EffortSettings.cs	100.00% <ø> (ø)

... and 10 files with indirect coverage changes

[rlorenzo]

Merged to TEST