fix(小宝预警): 稳定风险证据与建议更新

关键改动：

- 优化风险证据的日报工时与静默风险计算

- 稳定 AI 触发签名，避免证据细节变化造成重复请求

- 调整预警建议更新状态与相关测试

Co-Authored-By: Codex GPT-5 <codex@openai.com>

apps/web/app/xiaobao-warning/page.tsx

@@ -133,7 +133,8 @@ function XiaobaoWarningContent() {
   const risksWithInsight = useMemo(() => risks.map((risk) => attachXiaobaoRiskSuggestion(risk, {
     insights,
     pendingInsightKeys,
-  })), [insights, pendingInsightKeys, risks]);
+    pendingInsightAttempts: insightRequestAttempts,
+  })), [insightRequestAttempts, insights, pendingInsightKeys, risks]);
 
   const warningRisks = useMemo(() => filterXiaobaoRiskWarnings(risksWithInsight), [risksWithInsight]);
   const productOptions = useMemo(() => buildProductOptions(warningRisks), [warningRisks]);