A lost or delayed turn-ending `session.idle` left the busy spinner up until
the watchdog poll caught it (5-10s). An assistant `message.updated` carrying
`time.completed` now schedules one status check for that session, and
`streaming.ts` stops treating a completed trailing message as streaming.
The check is deferred by 750ms and re-reads the session status when the timer
fires, so the overwhelmingly common case — the turn's own `session.idle`
arriving right behind the completed message — settles on its own and costs
zero extra requests; only a session the store still believes busy spends a
fetch. The poll shares the watchdog's in-flight directory guard, so the
deferred check and the periodic poll cannot overlap on one directory.
Status authority is unchanged: the monotonic pass never lowers status, and an
authoritative resync runs only when the snapshot disagrees.