Plugins lack a consistent enabled/disabled option

[jhb-dev]

Describe the Bug

Most official plugins can't be turned off via config, and those that can don't agree on the option name:

• enabled?: boolean: plugin-cloud-storage, plugin-multi-tenant, plugin-sentry
• disabled?: boolean: plugin-mcp, templates/plugin
• no option: plugin-ecommerce, plugin-form-builder, plugin-import-export, plugin-nested-docs, plugin-redirects, plugin-search, plugin-seo, plugin-stripe

Expected: every plugin supports the same on/off option. Per the plugin template, a disabled plugin should still add its collections/fields so the DB schema stays consistent.

Link to the code that reproduces this issue

https://github.com/payloadcms/payload/blob/124b55a/packages/plugin-seo/src/types.ts

Reproduction Steps

Compare the plugin config types:

• enabled: https://github.com/payloadcms/payload/blob/124b55a/packages/plugin-multi-tenant/src/types.ts#L93
• disabled: https://github.com/payloadcms/payload/blob/124b55a/packages/plugin-mcp/src/types.ts#L273
• disabled in the plugin template: https://github.com/payloadcms/payload/blob/124b55a/templates/plugin/src/index.ts#L10
• none: https://github.com/payloadcms/payload/blob/124b55a/packages/plugin-seo/src/types.ts

Which area(s) are affected?

plugin: ecommerce, plugin: form-builder, plugin: import-export, plugin: mcp, plugin: nested-docs, plugin: redirects, plugin: search, plugin: seo, plugin: stripe, area: templates

Environment Info

payload main @ 124b55a (4.0.0-canary.37)