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fix(billing): check default plan limits on backend TASK-1364 (#5367)

### 📣 Summary
Updates backend code to check Stripe products for default "community
plan" limits when determining organization usage.

### 📖 Description
Currently, the frontend gets billing usage limits for the free Community
Plan from the corresponding Stripe product (returned by the products
endpoint). The backend, however, does not reference these limits at all.
This has not been a problem previously, because the backend currently
does not enforce usage limits (only NLP limits are enforced, and this is
handled by the frontend at present) and had no other need for these
limits.

Now that the backend is tracking addon usage, however, it does need to
be aware of community plan usage limits. This PR updates the
get_organization_plan_limit util function to use the limits from the
metadata of the default community plan when an organization does not
have a subscription.

### 👀 Preview steps
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