feat(lore-0156,lore-0157)!: settle the auth assumptions (ADR 0010) and cut default key limits to 1 req/s + 100k/month - #187

Node.js 20 is deprecated. The following actions target Node.js 20 but are being forced to run on Node.js 24: actions/checkout@v4, dorny/paths-filter@d1c1ffe0248fe513906c8e24db8ea791d46f8590. For more information see: https://github.blog/changelog/2025-09-19-deprecation-of-node-20-on-github-actions-runners/