BYOK universal gate rendered honestly: mid-chat setup flow, refusal-aware cards

- existing sessions: a send that lands the 503 models_not_configured envelope
  renders as the SETUP FLOW, never the error banner — the record refetch drops
  the refused orphan (the gate refuses before the write-ahead persist), the
  draft goes home to the composer, and Save auto-replays it (owner ruling);
  parseModelsRefusal reads the envelope from the transport's verbatim error
  text (exported pure, tested)
- persistent 'Set up your models' CTA above the chat composer while
  slotsConfigured is false (server-read seed via app/chat/[id]/page.tsx) —
  legacy per-chat overrides may still send with the pill present; the server
  gate stays the truth
- SetupDialog prefill + 'needed' marks (owner ruling): pinned tiers open with
  their pick (matched in the federated catalog — lapsed keys don't prefill),
  unpinned tiers carry the mark; Save still requires all three;
  prefillFromSlots exported pure, tested
- refused jobs read as INFO: dispatch card shows a quiet 'needs model setup'
  line + 'Set up models' deep-link (ChatActionsContext.openSetup); dock blobs'
  activity reads 'needs model setup' instead of 'failed'; real failures keep
  the red tone; isModelsRefusal added to the envelope's home module
- agent-section ModelsBody.slots type honest to the nullable contract

components/setup-dialog.tsx

@@ -50,6 +50,10 @@ const SLOT_ORDER: readonly ModelSlotName[] = ["strong", "cheap", "vision"];
 interface ModelsBody {
 	models: ModelCatalogEntry[];
 	providers: { id: string; keyPresent: boolean }[];
+	/** The three tiers' RESOLVED pins (BYOK: NULL per unset tier) — the
+	 *  PREFILL + "needed" marks (owner, 2026-09-22): pinned tiers open
+	 *  with their pick, unpinned tiers carry the mark. */
+	slots?: Record<ModelSlotName, { model: { provider: string; id: string } } | null>;
 }
 
 /** Pure: which stage the flow opens at — no keyed provider = keys first
@@ -61,6 +65,26 @@ export function setupStage(
 	return providers.some((p) => p.keyPresent) ? "pickers" : "keys";
 }
 
+/** Prefill (owner, BYOK wave 2026-09-22): each pinned tier opens with its
+ *  pick — matched in the FEDERATED catalog (a lapsed key's pin does not
+ *  prefill); unpinned tiers stay empty and carry the "needed" mark.
+ *  First-run = nothing pinned → all three empty + marked. Exported pure
+ *  for tests. */
+export function prefillFromSlots(
+	models: ModelCatalogEntry[],
+	slots: Record<ModelSlotName, { model: { provider: string; id: string } } | null> | undefined,
+): Partial<Record<ModelSlotName, ModelCatalogEntry>> {
+	const pre: Partial<Record<ModelSlotName, ModelCatalogEntry>> = {};
+	for (const slot of SLOT_ORDER) {
+		const pin = slots?.[slot];
+		const entry = pin?.model
+			? models.find((m) => m.provider === pin.model!.provider && m.id === pin.model!.id)
+			: undefined;
+		if (entry) pre[slot] = entry;
+	}
+	return pre;
+}
+
 export function SetupDialog({
 	open,
 	onClose,
@@ -98,6 +122,11 @@ export function SetupDialog({
 			.then((b: ModelsBody) => {
 				setBody(b);
 				setFailed(false);
+				// Prefill (owner, 2026-09-22): each pinned tier opens with its
+				// pick (matched in the FEDERATED catalog — a lapsed key's pin
+				// does not prefill); unpinned tiers stay empty and carry the
+				// "needed" mark. First-run = nothing pinned → all three marked.
+				setPicked(prefillFromSlots(b.models, b.slots));
 			})
 			.catch(() => setFailed(true));
 	}, [open]);
@@ -208,7 +237,17 @@ export function SetupDialog({
 								slot === "vision" ? body?.models.filter((m) => m.input.includes("image")) : body?.models;
 							return (
 								<div key={slot} data-testid={`setup-slot-${slot}`} className="flex flex-col gap-1.5">
-									<span className="font-ui text-sm text-foreground">{SLOT_META[slot].label}</span>
+									<span className="flex items-center gap-1.5">
+										<span className="font-ui text-sm text-foreground">{SLOT_META[slot].label}</span>
+										{!body?.slots?.[slot]?.model && !picked[slot] && (
+											<span
+												data-testid={`setup-needed-${slot}`}
+												className="rounded-sm border border-border px-1 py-0.5 text-[10px] font-normal tracking-wide text-muted-foreground"
+											>
+												needed
+											</span>
+										)}
+									</span>
 									<span className="text-xs text-muted-foreground/70">{SLOT_META[slot].roster}</span>
 									<div ref={openSlot === slot ? triggerRef : undefined} className="relative">
 										<button