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.

src/lib/openapi/routes/coach.ts

@@ -1745,7 +1745,7 @@ export const coachReminderPaths: NonNullable<ZodOpenApiObject["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, 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.',
+        '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). 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",
@@ -1769,8 +1769,8 @@ export const coachReminderPaths: NonNullable<ZodOpenApiObject["paths"]> = {
           },
         },
         // The read is delegable and the create beside it is not, so only this
-        // one shares its 403 with the sharing refusal.
-        ...recordRefusal("Coach surface disabled."),
+        // one answers the sharing refusal. It asks no Coach gate.
+        ...recordRefusal(),
         ...stdResponses,
       },
     },
@@ -1857,7 +1857,7 @@ export const coachReminderPaths: NonNullable<ZodOpenApiObject["paths"]> = {
       tags: ["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.",
+        "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 }`. 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",