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

apps/web/lib/xiaobao-v22-summary.ts

@@ -1,5 +1,6 @@
 import type { VersionWithContext } from './derive';
 import type { V22XiaobaoWarningSummary } from './v22-api';
+import type { XiaobaoRiskInsightCacheItem } from './xiaobao-risk-cache';
 import type {
   RiskReason,
   SilentRisk,
@@ -37,6 +38,25 @@ export function filterV22XiaobaoSummariesForVisibleVersions(
   return summaries.filter((summary) => visibleVersionIds.has(summary.versionId));
 }
 
+export function collectV22XiaobaoLatestInsights(
+  summaries: V22XiaobaoWarningSummary[],
+): XiaobaoRiskInsightCacheItem[] {
+  return summaries
+    .map((summary) => summary.latestInsight)
+    .filter((item): item is XiaobaoRiskInsightCacheItem => Boolean(item));
+}
+
+export function mergeV22XiaobaoLatestInsights(
+  relationInsights: XiaobaoRiskInsightCacheItem[],
+  legacyInsights: XiaobaoRiskInsightCacheItem[],
+): XiaobaoRiskInsightCacheItem[] {
+  const relationKeys = new Set(relationInsights.map((item) => insightKey(item)));
+  return [
+    ...relationInsights,
+    ...legacyInsights.filter((item) => !relationKeys.has(insightKey(item))),
+  ];
+}
+
 export function buildXiaobaoRisksFromV22Summaries(
   input: BuildXiaobaoRisksFromV22SummariesInput,
 ): XiaobaoVersionRisk[] {
@@ -118,6 +138,10 @@ function getRiskPayload(summary: unknown): Record<string, unknown> {
   return Object.keys(nested).length > 0 ? nested : root;
 }
 
+function insightKey(item: XiaobaoRiskInsightCacheItem): string {
+  return `${item.versionId}::${item.riskSignature}`;
+}
+
 function buildCurrentSnapshot(input: {
   payload: Record<string, unknown>;
   row: V22XiaobaoWarningSummary;