Don't show free mode banner if an API key has been added (check settings.providers.length)

[rjwignar]

This fixes #544.

Sorry for sitting on this for a while. There's one concern I have that I wasn't able to figure out.
More details below.

Background

We show a "You are using the free model..." banner when the user first comes to ChatCraft and we want to let them know about adding more providers for better features.
However, even after you add an OpenAI or OpenRouter provider, when you switch back to the free provider, we show the banner again.

Solution

If you run console.log(settings) you'll see that settings has a property called providers.
settings.providers is empty when no provider API keys are added (length 0):

...and is populated when you add an API key:

This PR does the following:

• adds a useEffect that toggles the Free Banner based on the length of settings.provider:
  • length=0 (no API Keys added) - Show banner
  • length>0 (1+ API Key(s) added) - Don't show banner
• defaults showAlert to false so banner doesn't appear temporarily when user opens ChatCraft after adding a provider/API key

My concern

The useMemo no longer checks the current provider when showing the Free Mode banner.
This means if a user has a paid provider (like OpenAI) as the current provider and removes their API key, the Free Mode banner will re-appear, but the currentProvider will still be OpenAI:

We can revert back to the original behaviour if that's preferred (don't show Free Mode if Current Provider is a Paid provider):
.

I'd like some opinions on this.

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[humphd]

I think this is the right behaviour. Once you've used the app for a bit, and played around with providers, we don't need to bother you any more with whether this is the free one or not.