Tools from check_fn-gated toolsets (honcho, homeassistant) showed as
red (disabled) in the startup banner even when properly configured.
This happened because check_fn runs lazily after session context is
set, but the banner renders before agent init.
Now distinguishes three states:
- red: truly unavailable (missing env var, no API key)
- yellow: lazy-initialized (check_fn pending, will activate on use)
- normal: available and ready
Only the banner fix was salvaged from the original PR; unrelated
bundled changes (context_compressor, STT config, auth default_model,
SessionResetPolicy) were discarded.
Co-authored-by: Jah-yee <Jah-yee@users.noreply.github.com>
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