fix(settings): list the Coach entry only while the Coach can answer

The settings nav filtered its Coach entry by the raw module map, which
follows the operator's switch and Hide Coach but not a missing provider
or missing consent, so it kept an entry the sidebar and the bottom bar
had already dropped. It now reads useNavModules like them. Settings, AI
decides from the same map whether to list the stored Coach memory, so
the memory always has one place in Settings where it can be read and
deleted.

src/components/settings/settings-shell.tsx

@@ -47,6 +47,7 @@ import { cn } from "@/lib/utils";
 import { PageHeader } from "@/components/ui/page-header";
 import { SUB_SHELL_GRID_FLOOR } from "@/components/layout/shell-metrics";
 import { useAuth } from "@/hooks/use-auth";
+import { useNavModules } from "@/hooks/use-nav-modules";
 import { useMounted } from "@/hooks/use-mounted";
 import { useTranslations } from "@/lib/i18n/context";
 import { isSurfaceVisible } from "@/lib/modules/surface";
@@ -366,8 +367,8 @@ export function SettingsShell({
   const activeSlug = deriveActiveSlug(pathname, active);
 
   // v1.18.0 — per-submodule entries are listed only when their module
-  // is enabled. Read from the resolved `useAuth().user.modules` map (the
-  // same map the Module hub, nav, and Insights pills gate off). Fail OPEN
+  // is enabled, from `useNavModules()` as in the sidebar (Coach follows its
+  // AI capability; Settings → AI then lists the stored memory). Fail OPEN
   // (`!== false`): a missing key, or a not-yet-resolved `/me` payload,
   // reads as enabled so an entry never silently disappears. A section's
   // owner comes from the surface map (`settings:<slug>`); sections with no
@@ -390,7 +391,7 @@ export function SettingsShell({
   // effect (which the lint rule flags as a cascading render), and no risk of
   // the two passes disagreeing.
   const hydrated = useMounted();
-  const modules = user?.modules;
+  const modules = useNavModules();
   const activeRecord = user?.accountAccess?.active ?? null;
   const allVisibleSections = SETTINGS_SECTIONS.filter(
     (section) =>