feat(overlay): 插入后注明未润色的原因

[sunerpy]

Summary

User request (2026-10-05): the overlay should also say why a take was not polished. Until now only the home page notice and the history detail did, and a dictation into another app shows only the pill.

• packages/ui Pill has a new note prop. In the inserted state it is a tag after the label with a small warning lamp. The text uses the pill's own colours, because the warning colour alone is below contrast for 10 px text on the light pill.
• The overlay passes notRefinedText(refine_failure) when a done take asked for polish and did not get it: 「未润色 · 服务繁忙」, 「未润色 · 额度已用完」 and so on (the kinds from feat(refine): 内置润色服务繁忙时提示改用自己的服务商 #106). The note goes with the pill after its usual 2.5 s; nothing shows for a polished take or one that asked for none.
• notRefinedText in @voltip/shared is the one sentence for both places; refineModelText (history detail) now uses it.
• The mock backend gets simulateRefineFailure(kind | null), so the dev preview and the tests can run a take whose polish is turned down: the raw text, refined: false, the kind on done and in the history, no preset recorded.
• Docs: docs/dictation.md §3.6, the user pages AI 润色与预设 / AI polish and 云端服务 / Cloud services in both languages, and docs/acceptance.md. The same section also corrects an earlier bullet: the 「· 未润色」 suffix belongs to the onboarding trial line, not a status bar.

Verification

• make verify on 7e64c0b: every gate, dirty_paths=0, overall_exit=0.
• New tests:
  • Overlay.test.tsx 「a take whose polish was turned down says why on the inserted pill」 runs a whole take through the mock. It fails with the overlay's note wiring removed, which was checked;
  • Pill.test.tsx: the note shows only in the inserted state;
  • mock-backend.test.ts covers simulateRefineFailure, and labels.test.ts covers notRefinedText.
• No screenshot shows the new state; it appears only when polish fails.

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