increase default stretches to 12

Test script
---

```ruby
require 'bcrypt'
require 'benchmark'
Benchmark.measure { BCrypt::Password.create('password', cost: 12) }
```

Test results
---

- [Intel(R) Core(TM) i5-7360U CPU @ 2.30GHz](https://ark.intel.com/content/www/us/en/ark/products/97535/intel-core-i5-7360u-processor-4m-cache-up-to-3-60-ghz.html): `#<Benchmark::Tms:0x00007fdd00a4eb30 @label="", @real=0.21730700000080105, @cstime=0.0, @cutime=0.0, @stime=0.00020399999999999585, @utime=0.21685199999999996, @total=0.21705599999999997>`
- [Intel(R) Core(TM) i7-8559U CPU @ 2.70GHz](https://ark.intel.com/content/www/us/en/ark/products/137979/intel-core-i7-8559u-processor-8m-cache-up-to-4-50-ghz.html): `#<Benchmark::Tms:0x00007fe91094fd30 @label="", @real=0.17964200000278652, @cstime=0.0, @cutime=0.0, @stime=7.399999999996298e-05, @utime=0.17950799999999845, @total=0.1795819999999984>`

Other gems
---

- bcrypt-ruby which is used by devise [updated](https://github.com/codahale/bcrypt-ruby/pull/181) their default cost to 12 (not released a gem version yet).
- rails has [a PR](https://github.com/rails/rails/pull/35321) from the Rails core team member to update their `ActiveModel::SecurePassword` which powers `has_secure_password` default cost to 13 (not merged yet).

Previous changes
---

[Previous PR](https://github.com/plataformatec/devise/pull/3549) to increase the default stretches to 12 was created more than 4 years ago. That time the default stretches value [was increased](9efc601c73) from 10 to 11.

lib/generators/templates/devise.rb

@@ -103,7 +103,7 @@ Devise.setup do |config|
   # config.reload_routes = true
 
   # ==> Configuration for :database_authenticatable
-  # For bcrypt, this is the cost for hashing the password and defaults to 11. If
+  # For bcrypt, this is the cost for hashing the password and defaults to 12. If
   # using other algorithms, it sets how many times you want the password to be hashed.
   #
   # Limiting the stretches to just one in testing will increase the performance of
@@ -111,7 +111,7 @@ Devise.setup do |config|
   # a value less than 10 in other environments. Note that, for bcrypt (the default
   # algorithm), the cost increases exponentially with the number of stretches (e.g.
   # a value of 20 is already extremely slow: approx. 60 seconds for 1 calculation).
-  config.stretches = Rails.env.test? ? 1 : 11
+  config.stretches = Rails.env.test? ? 1 : 12
 
   # Set up a pepper to generate the hashed password.
   # config.pepper = '<%= SecureRandom.hex(64) %>'