feat(coach): keep stored reminders readable and erasable with the Coach unavailable

Reminders are the person's own record, like the stored facts,
conversations and plans. The list and delete routes no longer ask the
Coach module; creating, confirming, resolving or rescheduling one stays
Coach use and is refused by POST and PATCH as before.

Settings -> Coach now always mounts the reminders card (shown with Hide
Coach on only when reminders exist), and Settings -> AI lists them through
the stored-memory block while Settings -> Coach is out of reach. With the
Coach unavailable the card is read-only: every reminder can be read and
deleted, while keep / done / dismiss are not offered.

docs/api/openapi.yaml

@@ -9593,11 +9593,11 @@ paths:
       tags:
         - Insights
       summary: List the caller's Coach reminders
-      description: v1.22 (B2/B6) — the durable "remind me about X" memory the Coach captured inline, decrypted on the fly,
+      description: 'v1.22 (B2/B6) — the durable "remind me about X" memory the Coach captured inline, decrypted on the fly,
         soonest-due first. Pass `?status=` (one status or a comma set like `due,surfaced` for the in-app tile); omitted
-        returns the non-terminal set (proposed + active + due + surfaced). Coach-gated
-        (`requireModuleEnabled("coach")`). Auth via cookie or Bearer; the owner is narrowed from the session.
-        Undecryptable rows are omitted.
+        returns the non-terminal set (proposed + active + due + surfaced). Not gated on the Coach: the reminders belong
+        to the caller and stay readable while the Coach is unavailable (v1.39). Auth via cookie or Bearer; the owner is
+        narrowed from the session. Undecryptable rows are omitted.'
       parameters:
         - name: status
           in: query
@@ -9614,24 +9614,7 @@ paths:
               schema:
                 $ref: "#/components/schemas/CoachRemindersList"
         "401": *a1
-        "403":
-          description: >-
-            Coach surface disabled.
-
-
-            Refused: this request named a record the caller may not act on (`meta.errorCode` = `sharing.access.denied`).
-            Byte-identical for an account that does not exist, an account that granted nothing, a grant whose sections
-            do not reach this surface, and a read grant on a request that writes — the response carries no reason, so it
-            is not an account-enumeration oracle. The reason reaches the record owner's activity feed and the operator's
-            audit trail instead. On the cookie transport the same code answers one further case: a session that has
-            entered a shared record and sends a request without its record-context assertion, which is a client older
-            than the fence — leave the record and reload. A request that names no record but the caller's own never
-            reaches this response, so a client that never switches and never sends the per-request account selector will
-            not see it.
-          content:
-            application/json:
-              schema:
-                $ref: "#/components/schemas/ErrorEnvelope"
+        "403": *a9
         "422": *a4
         "429": *a5
     post:
@@ -9719,7 +9702,8 @@ paths:
         - Insights
       summary: Soft-delete one Coach reminder
       description: "v1.22 — soft-deletes a single reminder owned by the caller. An unknown / cross-user / already-deleted id
-        is an idempotent no-op returning `{ deleted: false }`. Coach-gated. Auth via cookie or Bearer."
+        is an idempotent no-op returning `{ deleted: false }`. Not gated on the Coach: erasing a stored reminder works
+        while the Coach is unavailable (v1.39). Auth via cookie or Bearer."
       parameters:
         - name: id
           in: path