Update to yarn 4.5.1

[anselmbradford]

This is aligning yarn with the setup in https://github.com/cfpb/design-system-react, but I added additional config in cfpb/design-system-react#337

Please scrutinize the config that I did this right. Config options are here https://yarnpkg.com/configuration/yarnrc.

Changes

• Update to [email protected]
• Removes npm-packages-offline-cache and replaces it with .yarn/cache

Testing

1. Check that yarn config makes sense.
2. yarn install should pass.
3. PR checks should pass.

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[contolini]

Couple suggested changes. I fee like if we're going to use Yarn v4 we should use their recommended default settings to get as much performance as possible.