fix(insights): dedupe coach disclaimer and add wellness-strip error affordance

Suppress the generic Insights disclaimer footer on the Coach route, which
already renders its own composer disclaimer — the layout shell now skips
the footer when the selected segment is the coach page and keeps it
everywhere else. Thread the shared derived-batch error state and refetch
into the wellness strip so a failed batch surfaces a compact error +
Retry in place (the strip is top-of-page) instead of vanishing silently;
the one Retry recovers both the wellness and vitals strips. Adds a
scores load-error string across all locales.

Co-Authored-By: Claude Opus 4.8 (1M context) <noreply@anthropic.com>

src/app/insights/page.tsx

@@ -326,6 +326,8 @@ export default function InsightsPage() {
       <WellnessScores
         read={dashboardDerived.read}
         isLoading={dashboardDerived.isLoading}
+        isError={dashboardDerived.isError}
+        refetch={dashboardDerived.refetch}
       />
 
       {flags.briefing && (