When no reference-capable image backend is configured, generating a pet is
impossible — so instead of a dead prompt + post-hoc error, the overlay now
detects it up front and offers a way out:
- pet.generate.status RPC reports whether a reference-capable provider
(OpenRouter / Nous Portal / OpenAI) is set up; the overlay probes it on
open and swaps the prompt for a friendly setup card (paw, one-line copy,
"Set up image generation" → /settings?tab=providers, key links).
- useRouteOverlayActive(): reusable hook so any portaled modal yields the
screen to a full-screen route overlay (e.g. settings) and reappears —
re-running its mount effects — on return, instead of closing. The probe
re-runs on that remount, so adding a key flips the card to the prompt.
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