Refine switch --live auto-switch behavior

[Loongphy]

Updates switch --live auto-switching behavior:

• Uses auto_switch.threshold_5h_percent and auto_switch.threshold_weekly_percent as the switch thresholds for 5h and weekly quota.
• Resets both default threshold values to 1 and bumps the registry schema to v4.
• Migrates registry files during upgrade:
  • schema 2 is loaded through the legacy migration path, thresholds are reset to 1 / 1, then the file is saved as schema 4
  • schema 3 is loaded as the current layout, thresholds are reset to 1 / 1, then the file is saved as schema 4
  • schema 4 keeps the user's configured threshold values
• Keeps the foreground switch --live switching logic separate from the background auto-switch daemon path, so the live picker can evolve independently.
• Moves the live cursor to the account that becomes active after an automatic switch.

Account Selection

When switch --live needs to switch accounts, it chooses the next account by reset timing:

• first, the account with the nearest 5h reset time
• if tied, the account with the nearest weekly reset time

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commit: 95d99f5