[code health] refactor floor bid checks to independent function

[michaelneuder]

📝 Summary

Pull the floor checks into an independent function.

Part of series: #479, #491, #494, #498.

⛱ Motivation and Context

📚 References

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✅ I have run these commands

• make lint
• make test-race
• go mod tidy
• I have seen and agree to CONTRIBUTING.md

[codecov-commenter]

Codecov Report

Merging #513 (1bf97ea) into main (13ede49) will increase coverage by 0.43%.
The diff coverage is 65.38%.

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@@            Coverage Diff             @@
##             main     #513      +/-   ##
==========================================
+ Coverage   31.70%   32.14%   +0.43%     
==========================================
  Files          24       24              
  Lines        4860     4878      +18     
==========================================
+ Hits         1541     1568      +27     
+ Misses       3127     3118       -9     
  Partials      192      192              

Flag	Coverage Δ
unittests	32.14% <65.38%> (+0.43%)	⬆️

Flags with carried forward coverage won't be shown. Click here to find out more.

Files Changed	Coverage Δ
datastore/redis.go	59.71% <0.00%> (-0.49%)	⬇️
services/api/service.go	39.13% <70.83%> (+1.25%)	⬆️

[metachris]

nice!