Feature: Auto-create incidents after 10 failed checks with rich descriptions

- Add description and failed_check_count fields to incidents table
- Update handleIncident() to use configurable threshold (default 10 checks)
- Auto-generate incident description with:
  - Number of consecutive failures
  - Last error message/reason
  - First failure timestamp
- Add API endpoints: GET/POST /api/settings/incident-threshold
- Add UI settings field to configure incident failure threshold
- Server: Get threshold from database settings (persistent across restarts)
- Default threshold: 10 consecutive failed checks per resource

client/build/index.html

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