Accelerate the chart range switch, prefetch two list pages, calm two polls

placeholderData keeps the previous range painted while a health-chart
range switch fetches, paired with its truth condition: the container
dims and goes inert while isPlaceholderData is true, so the old range
cannot masquerade as the new one. The mood chart needs no pairing — its
range is a client-side slice over one static-key query and never drops
to a skeleton.

/checkups and /mood gain the dashboard-template RSC prefetch: the
primary list read moves into a shared lib read (route + wrapper consume
one query, so filter/order/wire shape cannot drift), the wrapper honours
the DASHBOARD_SSR_PREFETCH kill-switch, resolves identity through
getUnswitchedSession, JSON-round-trips the dehydrated state, and fails
soft to the bare client on every error path. Page-prefetch unit tests
pin the seeded keys and the fail-soft arms; the SSR hydration spec
gains an assertion per page.

The achievement-unlock poll drops to five minutes (in-app writes already
invalidate the cell; the poll only covers out-of-band ingest), and the
plan-proposal poll gains the advisor-style bounded attempt ceiling so an
open thread stops polling after its budget.

src/hooks/use-coach-plans.ts

@@ -14,7 +14,12 @@
  * prose editor by design: the PATCH contract never accepts the encrypted
  * free-text fields.
  */
-import { useMutation, useQuery, useQueryClient } from "@tanstack/react-query";
+import {
+  useMutation,
+  useQuery,
+  useQueryClient,
+  type UseQueryOptions,
+} from "@tanstack/react-query";
 
 import { queryKeys } from "@/lib/query-keys";
 import { apiDelete, apiGet, apiPatch } from "@/lib/api/api-fetch";
@@ -63,12 +68,14 @@ export function useCoachPlans(opts?: {
   filter?: PlanFilter;
   enabled?: boolean;
   /**
-   * Optional poll interval (ms). The chat thread uses a slow poll because
-   * proposals land asynchronously (the memory-refresh worker runs after the
-   * turn); the management page reads once. TanStack pauses the interval in
-   * background tabs by default, so the poll never runs unwatched.
+   * Optional poll interval (ms), or TanStack's interval callback so a caller
+   * can bound its poll (the chat thread caps attempts — see
+   * `nextProposalPollInterval` in `plan-proposal-card.tsx`). Proposals land
+   * asynchronously (the memory-refresh worker runs after the turn); the
+   * management page reads once. TanStack pauses the interval in background
+   * tabs by default, so the poll never runs unwatched.
    */
-  refetchInterval?: number;
+  refetchInterval?: UseQueryOptions<CoachPlanDTO[]>["refetchInterval"];
 }) {
   const filter = opts?.filter;
   return useQuery({