Add UserCertificate model with tests

- Create UserCertificate model with validations and certificate renewal logic
- Add tests for UserCertificate model functionality
- Add user certificates fixtures for testing
- Add association between ApiUser and UserCertificates
- Add required gems: dry-types, dry-struct, openssl
- Add /certs to .gitignore

This commit implements the base model for storing user certificates in the
database, including private keys, CSRs, certificates and P12 files. The model
includes basic validation and certificate renewal functionality, with
comprehensive test coverage.

db/migrate/20250218115707_create_user_certificates.rb

@@ -0,0 +1,19 @@
+class CreateUserCertificates < ActiveRecord::Migration[6.1]
+  def change
+    create_table :user_certificates do |t|
+      t.references :user, null: false, foreign_key: true
+      t.binary :private_key, null: false
+      t.text :csr
+      t.text :certificate
+      t.binary :p12
+      t.string :status
+      t.datetime :expires_at
+      t.datetime :revoked_at
+      t.string :p12_password_digest
+      
+      t.timestamps
+    end
+
+    add_index :user_certificates, [:user_id, :status]
+  end
+end