fix(api): Slow database egress defaults

[itswcl]

Summary

• slow custom ticker DB refresh defaults to reduce Supabase egress during the current billing period
• extend in-process quote, null quote, active symbol, and alert candidate cache TTL defaults
• document the new egress-saving defaults in README

Tests

• npm run build in apps/api-server
• npm test -- --run src/services/ticker-cache.service.test.ts src/services/quote-refresh-queue.service.test.ts src/__tests__/alertWorker.test.ts src/services/market-status.service.test.ts in apps/api-server