fix(小宝预警): 等待缓存加载后再触发AI建议

apps/web/lib/xiaobao-risk-ai.ts

@@ -90,6 +90,19 @@ export function shouldRequestRiskInsightWithCooldown(
   return nowTime - generatedAt >= RISK_INSIGHT_COOLDOWN_MS;
 }
 
+export function shouldRequestRiskInsightWithCacheGate(
+  riskCacheLoaded: boolean,
+  cache: XiaobaoRiskInsightCacheItem[],
+  current: XiaobaoVersionRisk,
+  previous?: RiskInsightPrevious,
+  now: Date = new Date(),
+): boolean {
+  if (!riskCacheLoaded) return false;
+  if (getReusableInsight(cache, current)) return false;
+  const latestInsight = findLatestRiskInsightForVersion(cache, current.versionId);
+  return shouldRequestRiskInsightWithCooldown(current, previous, latestInsight, now);
+}
+
 export function buildRiskInsightSignature(risk: XiaobaoVersionRisk): string {
   return JSON.stringify({
     versionId: risk.versionId,