feat: add Laravel 13 support

- illuminate/contracts: ^12.0||^13.0 (drop bare ^12.0)
- orchestra/testbench: ^10.6||^11.0
- laravel/tinker: auto-bumped to ^3.0 (L13 transitive)
- CI matrix: Laravel 12.* + 13.* × PHP 8.3 + 8.4
- HasUserRelation trait: property_exists instead of ??
- phpstan level 6 clean

Co-Authored-By: Claude Opus 4.7 (1M context) <noreply@anthropic.com>