chore: allow overriding encoding for the logger

[jakubno]

Allow customizing the encoder so we can reuse it in other services where the logger needs different encoder

[cursor]

PR Summary

Medium Risk
Behavior now depends on new config fields and introduces a runtime error path for non-console encodings without an encoder config, which could impact service startup/logging if misconfigured.

Overview
Adds support for overriding Zap Encoding and EncoderConfig when building the logger, defaulting to console but now erroring if a non-console encoding is selected without an explicit encoder config (which may break existing callers that start setting Encoding without providing EncoderConfig).

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