The no-key and timeout fallback text carried zero reference to the user's
own readings and, on a provider timeout, rendered as hasProvider:true —
indistinguishable from a fresh assessment. Compose each fallback from the
per-metric signal the card already builds: name the current value, place it
against the user's own baseline, and close with one plain-language pointer,
in the same warm voice as the model surfaces. Degrade to the prior generic
tip only when a metric has no usable history. The timeout envelope now
reports hasProvider:false so the UI surfaces it as the computed summary it
is rather than mislabelling it as provider prose.