Ensure test db is created/current before mocha task

Remember, the point I was trying to make in our discussion yesterday that the primary thing we are trying to solve is "Oops, I ran the tests and I stomped on my development database".

These changes don't do that because anyone cal still call `db:ensure-created-test` with the NODE_ENV != 'test'.

Give me an 30 minutes, I can write up a patch to illustrate how we can do it.