fix(llm): align plan doc with implementation, fix duplicate insights header

- Update plan doc to describe the actual JSON object format
  ({"insights": [...]}) instead of a bare JSON array
- Only show insights error state when there are no cached items,
  preventing a duplicate "Insights" header after a failed refresh

Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>

Author: cpcloud

internal/app/dashboard.go

@@ -519,7 +519,8 @@ func (m *Model) dashboardView(budget, maxWidth int) string {
 
 	// Show loading/error state for insights even when there are no items yet.
 	showInsightsLoading := m.insightsEnabled && m.dash.insights.loading
-	showInsightsError := m.insightsEnabled && m.dash.insights.err != nil && !m.dash.insights.loading
+	showInsightsError := m.insightsEnabled && m.dash.insights.err != nil &&
+		!m.dash.insights.loading && len(m.dash.insights.items) == 0
 
 	if len(sections) == 0 && !showInsightsLoading && !showInsightsError {
 		return ""

plans/proactive-insights.md

@@ -50,9 +50,10 @@ Urgent/actionable items stay on top; insights are supplementary analysis.
 - **Config**: `llm.insights` bool field on `LLM` config struct. Env var
   `MICASA_LLM_INSIGHTS`. Stored as `*bool` for tri-state (nil = default off).
 - **Prompt**: new `BuildInsightsPrompt()` in `internal/llm/prompt.go`. Receives
-  full data dump + schema + date + house profile, instructs LLM to output JSON
-  array of `{text, tab, entity_id}` objects. Emphasizes cross-entity
-  observations, max 5-7 items, no duplication of existing dashboard sections.
+  full data dump + schema + date + house profile, instructs LLM to output a
+  JSON object `{"insights": [{text, tab, entity_id}, ...]}` via
+  `WithJSONSchema`. Emphasizes cross-entity observations, max 5-7 items, no
+  duplication of existing dashboard sections.
 - **Non-streaming**: uses `ChatComplete()` since output is a small JSON array.
   Runs via `tea.Cmd` returning an `insightsResultMsg`.
 - **State**: `insightsState` struct on `dashState`. Tracks results, loading