Rename is_plan_upgrade to is_plan_higher_tier

[Copilot]

The function is_plan_upgrade checked if a user's plan tier is strictly higher than required, but the name implied upgrade detection. Renamed to is_plan_higher_tier for clarity.

Changes:

• Renamed is_plan_upgrade → is_plan_higher_tier in utils.rs, client.rs, tests.rs
• Updated test function name and comment to use consistent "higher tier" terminology

Context:

// Function checks: enterprise > professional > basic
pub(crate) fn is_plan_higher_tier(user_plan: &str, required_plan: &str) -> bool {
    // Returns true only when user_level > required_level (strictly greater)
    user_level > required_level
}

// Usage in access control
user_plan == required_plan_name || is_plan_higher_tier(&user_plan, required_plan_name)

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