docs: define independent auto-insert architecture

Ariver

2026-07-13 490d60bbc90a4f407d2d9111e0da70e7efe6995a

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{
  "schemaVersion": 1,
  "selectedModelId": "sensevoice-zh",
  "installedModels": {
    "sensevoice-zh": {
      "installedAt": 1780120000000,
      "version": "unknown",
      "path": "broken",
      "sourceDirKind": "new"
    }
  }
}