Remove #if DEBUG guards for TestFlight, polish weekly digest and insights UX

- Remove #if DEBUG from all debug settings, exporters, and IAP bypass so
  debug options are available in TestFlight builds
- Weekly digest card: replace dismiss X with collapsible chevron caret
- Weekly digest: generate on-demand when opening Insights tab if no cached
  digest exists (BGTask + notification kept as bonus path)
- Fix digest intention text color (was .secondary, now uses theme textColor)
- Add "Generate Weekly Digest" debug button in Settings
- Add generating overlay on Insights tab with pulsing sparkles icon that
  stays visible until all sections finish loading (content at 0.2 opacity)

Co-Authored-By: Claude Opus 4.6 (1M context) <noreply@anthropic.com>

Shared/Views/InsightsView/InsightsView.swift

@@ -84,6 +84,10 @@ struct InsightsView: View {
                 if iapManager.shouldShowPaywall {
                     paywallOverlay
                 }
+
+                if selectedTab == .insights && isGeneratingInsights && !iapManager.shouldShowPaywall {
+                    generatingOverlay
+                }
             }
         }
         .sheet(isPresented: $showSubscriptionStore) {
@@ -104,12 +108,22 @@ struct InsightsView: View {
     // MARK: - Insights Content
 
     private func loadWeeklyDigest() {
-        if #available(iOS 26, *), !iapManager.shouldShowPaywall {
-            if let digest = FoundationModelsDigestService.shared.loadLatestDigest(),
-               digest.isFromCurrentWeek,
-               !WeeklyDigest.isDismissed(for: digest) {
+        guard #available(iOS 26, *), !iapManager.shouldShowPaywall else { return }
+
+        // Try cached digest first
+        if let digest = FoundationModelsDigestService.shared.loadLatestDigest(),
+           digest.isFromCurrentWeek {
+            weeklyDigest = digest
+            return
+        }
+
+        // No digest for this week — generate one on-demand
+        Task {
+            do {
+                let digest = try await FoundationModelsDigestService.shared.generateWeeklyDigest()
                 weeklyDigest = digest
-                showDigest = true
+            } catch {
+                // Not enough data or AI unavailable — just don't show the card
             }
         }
     }
@@ -118,10 +132,8 @@ struct InsightsView: View {
         ScrollView {
             VStack(spacing: 20) {
                 // Weekly Digest Card
-                if showDigest, let digest = weeklyDigest {
-                    WeeklyDigestCardView(digest: digest) {
-                        showDigest = false
-                    }
+                if let digest = weeklyDigest {
+                    WeeklyDigestCardView(digest: digest)
                 }
 
                 // This Month Section
@@ -166,6 +178,8 @@ struct InsightsView: View {
             .padding(.vertical)
             .padding(.bottom, 100)
         }
+        .opacity(isGeneratingInsights && !iapManager.shouldShowPaywall ? 0.2 : 1.0)
+        .animation(.easeInOut(duration: 0.3), value: isGeneratingInsights)
         .refreshable {
             viewModel.refreshInsights()
             // Small delay to show refresh animation
@@ -174,6 +188,50 @@ struct InsightsView: View {
         .disabled(iapManager.shouldShowPaywall)
     }
 
+    // MARK: - Generating State
+
+    private var isGeneratingInsights: Bool {
+        let states = [viewModel.monthLoadingState, viewModel.yearLoadingState, viewModel.allTimeLoadingState]
+        return states.contains(where: { $0 == .loading || $0 == .idle })
+    }
+
+    private var generatingOverlay: some View {
+        VStack(spacing: 20) {
+            Spacer()
+
+            VStack(spacing: 16) {
+                Image(systemName: "sparkles")
+                    .font(.system(size: 36))
+                    .foregroundStyle(
+                        LinearGradient(
+                            colors: [.purple, .blue],
+                            startPoint: .leading,
+                            endPoint: .trailing
+                        )
+                    )
+                    .symbolEffect(.pulse, options: .repeating)
+
+                Text(String(localized: "Generating Insights"))
+                    .font(.headline)
+                    .foregroundColor(textColor)
+
+                Text(String(localized: "Apple Intelligence is analyzing your mood data..."))
+                    .font(.subheadline)
+                    .foregroundStyle(.secondary)
+                    .multilineTextAlignment(.center)
+            }
+            .padding(32)
+            .background(
+                RoundedRectangle(cornerRadius: 24)
+                    .fill(.regularMaterial)
+            )
+            .padding(.horizontal, 40)
+
+            Spacer()
+        }
+        .transition(.opacity)
+    }
+
     // MARK: - Paywall Overlay
 
     private var paywallOverlay: some View {