feat(handy): correct store template to nested {settings} shape; fleet wiring patch + apply recipe

live store wired 2026-10-09: provider custom -> frank-secondary @
192.168.0.143:7771, prompt default_improve_transcriptions,
post_process on, self-autostart off (niri owns it)

dotfiles/zz-blankpad/.local/share/com.pais.handy/README.md

@@ -1,5 +1,34 @@
 # Handy Settings Template
 
-This directory contains a template for Handy's settings store. The app rewrites the live store at `~/.local/share/com.pais.handy/settings_store.json`.
+Handy (Tauri v2) keeps its store at `~/.local/share/com.pais.handy/settings_store.json`,
+shaped `{"settings": {...}}`, and **rewrites the live file on every change** — so the
+repo carries a merge patch (`settings_store.template.json`), not a full store.
 
-Keys that might contain sensitive information (e.g., API tokens, base URLs) should stay out of the repo.
+## Apply the fleet wiring
+
+Quit Handy first (it caches settings in memory and overwrites external edits):
+
+```bash
+pkill -f /usr/bin/handy
+jq --slurpfile p <repo>/dotfiles/zz-blankpad/.local/share/com.pais.handy/settings_store.template.json '
+  .settings |= (
+    $p[0].settings
+    | .post_process_models = ((.post_process_models // {}) + $p[0].settings.post_process_models)
+    | .post_process_providers = (.post_process_providers
+        | map(if .id == "custom" then .base_url = $p[0].custom_provider_base_url else . end))
+  )' settings_store.json > store.tmp && mv store.tmp settings_store.json
+setsid nohup handy --start-hidden >/dev/null 2>&1 < /dev/null &
+```
+
+Niri also spawns Handy at startup (`cfg/autostart.kdl`:
+`spawn-at-startup "handy" "--start-hidden"`), hence `autostart_enabled: false` —
+the compositor owns autostart.
+
+## Known breaker (2026-10-09)
+
+`frank-secondary` (`http://192.168.0.143:7771/v1`) is a thinking model: default
+requests return `content: ""` with the answer locked in `reasoning_content`.
+Handy reads `content`, so post-processed transcripts come back empty. The
+per-request cure is `chat_template_kwargs: {"enable_thinking": false}` (verified),
+which Handy cannot send. Endpoint-side fix required — see
+`omp-docs/tools/handy.md` → Known issues.