Update user/repos API endpoint description

[pat-s]

Currently states

List the repos that the authenticated user owns or has access to

but the endpoint does not list all repos a user has access to, only the ones a user owns

(Also verified and discussed in Discord)

Fixes #16502

[codecov-commenter]

Codecov Report

Merging #16503 (8eb4952) into main (28f6f7b) will increase coverage by 0.01%.
The diff coverage is n/a.

@@            Coverage Diff             @@
##             main   #16503      +/-   ##
==========================================
+ Coverage   45.50%   45.52%   +0.01%     
==========================================
  Files         718      718              
  Lines       84262    84262              
==========================================
+ Hits        38347    38357      +10     
+ Misses      39751    39744       -7     
+ Partials     6164     6161       -3     

Impacted Files	Coverage Δ
routers/api/v1/user/repo.go	41.07% <ø> (ø)
modules/queue/workerpool.go	54.58% <0.00%> (+0.76%)	⬆️
modules/queue/queue_disk_channel.go	72.78% <0.00%> (+1.77%)	⬆️
modules/git/blame.go	68.57% <0.00%> (+2.85%)	⬆️
modules/util/timer.go	85.71% <0.00%> (+42.85%)	⬆️

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