refactor(充值弹窗): 摊平结算弹窗里的嵌套三元 listPriceCents

- 原写法 plan / annual 两层三元叠加，扩展条件时容易漏分支
- 改为按 annual 分支 + 可选链与 ?? 兜底，保持 plan 为空时取 0 的语义不变

packages/shared/src/components/PlatformProfileRechargeModal/index.tsx

@@ -996,11 +996,9 @@ function PlatformRechargeCheckoutDialog({
     membershipPlans.find((item) => item.plan === target.plan) ?? null;
   const annual = target.cycleKind === 'yearly';
   const cycleLabel = annual ? '年付' : '月付';
-  const listPriceCents = plan
-    ? annual
-      ? plan.yearPriceCents
-      : plan.monthPriceCents
-    : 0;
+  const listPriceCents = annual
+    ? (plan?.yearPriceCents ?? 0)
+    : (plan?.monthPriceCents ?? 0);
   const isUpgrade = target.mode === 'upgrade';
   const currentPlan =
     membershipPlans.find((item) => item.plan === membership?.plan) ?? null;