Fix auto-created templates that quote at zero

Clear zero-priced auto-created templates by creating the missing combination so panels pick up a real rate.

1. To clear an 'autocreated' entry, create the missing combination in the admin portal so the panel picks up a real template price instead of the zero-priced placeholder.

2. Because panel pricing templates are all-inclusive and zero out edge-band constituents, if edge banding must appear in the price, price the unit from its constituent elements instead of via a panel pricing template.

3. When a quotation is generated, the system surfaces a message listing the auto-created panel pricing templates that have no price set.

4. The user acknowledges the message before going to panel pricing template settings to enter the prices.

5. A combination with no rate set leaves that panel unpriced in the BOQ.

6. If a combination used in the design is missing from the templates — for example a back panel with different external and internal finishes, or an open unit with laminate on both sides at a given thickness — create a new panel pricing template for that combination so the quotation picks up the correct rate instead of the zero-priced placeholder.