fix: skip model API requests when no auth token is present (#643)

Prevents infinite retry loop on /api/hermes/available-models when
accessing the app without a token, which triggers server-side 429
rate limiting. Both loadModels() and fetchProviders() now bail out
early if hasApiKey() returns false.

Closes #606

Co-authored-by: Claude Opus 4.7 <noreply@anthropic.com>

tests/client/app-store.test.ts

@@ -12,6 +12,7 @@ const mockSystemApi = vi.hoisted(() => ({
 }))
 
 vi.mock('@/api/hermes/system', () => mockSystemApi)
+vi.mock('@/api/client', () => ({ hasApiKey: () => true }))
 
 import { useAppStore } from '@/stores/hermes/app'
 

tests/client/models-store.test.ts

@@ -10,6 +10,7 @@ const mockSystemApi = vi.hoisted(() => ({
 }))
 
 vi.mock('@/api/hermes/system', () => mockSystemApi)
+vi.mock('@/api/client', () => ({ hasApiKey: () => true }))
 
 import { useAppStore } from '@/stores/hermes/app'
 import { useModelsStore } from '@/stores/hermes/models'