feat(ai): complete v3.2 risk watch agent

apps/web/hooks/useXiaobaoWarningRisks.ts

@@ -17,7 +17,9 @@ import { loadV22XiaobaoWarnings, type V22XiaobaoWarningSummary } from '@/lib/v22
 import { buildVersionDataScopeMap } from '@/lib/version-data-scope';
 import {
   buildXiaobaoRisksFromV22Summaries,
+  collectV22XiaobaoLatestInsights,
   filterV22XiaobaoSummariesForVisibleVersions,
+  mergeV22XiaobaoLatestInsights,
   shouldLoadXiaobaoAppDataFallback,
   type V22XiaobaoSummaryLoadState,
 } from '@/lib/xiaobao-v22-summary';
@@ -54,6 +56,11 @@ export function useXiaobaoWarningRisks({ loadRiskCache = false }: { loadRiskCach
   const today = useMemo(() => new Date().toISOString().slice(0, 10), []);
   const v22UserId = user?.name || user?.id || '';
   const shouldLoadFallback = shouldLoadXiaobaoAppDataFallback(v22SummaryState);
+  const relationInsights = useMemo(() => collectV22XiaobaoLatestInsights(v22Summaries), [v22Summaries]);
+  const mergedInsights = useMemo(
+    () => mergeV22XiaobaoLatestInsights(relationInsights, insights),
+    [insights, relationInsights],
+  );
 
   useEffect(() => { fetchOverview(); }, [fetchOverview]);
   useEffect(() => {
@@ -178,7 +185,7 @@ export function useXiaobaoWarningRisks({ loadRiskCache = false }: { loadRiskCach
   return {
     risks,
     snapshots,
-    insights,
+    insights: mergedInsights,
     pendingInsightKeys,
     insightRequestAttempts,
     riskDataLoaded,