chore: prepare v0.1.146 release

When a Gemini OAuth account receives a 401, ratelimit_service sets
expires_at=now() to force a refresh. Previously GetAccessToken would
return the stale cached token before checking expires_at, causing
repeated 401s until the cache TTL expired.

Fix: check needsRefresh before attempting cache lookup.

backend/cmd/server/VERSION

@@ -1 +1 @@
-0.1.145
+0.1.146

backend/internal/service/gemini_token_provider.go

@@ -62,16 +62,16 @@ func (p *GeminiTokenProvider) GetAccessToken(ctx context.Context, account *Accou
 
 	cacheKey := GeminiTokenCacheKey(account)
 
-	// 1) Try cache first.
-	if p.tokenCache != nil {
+	// 1) Try cache first — skip if token is already expired or within refresh skew.
+	expiresAt := account.GetCredentialAsTime("expires_at")
+	needsRefresh := expiresAt == nil || time.Until(*expiresAt) <= geminiTokenRefreshSkew
+	if !needsRefresh && p.tokenCache != nil {
 		if token, err := p.tokenCache.GetAccessToken(ctx, cacheKey); err == nil && strings.TrimSpace(token) != "" {
 			return token, nil
 		}
 	}
 
 	// 2) Refresh if needed (pre-expiry skew).
-	expiresAt := account.GetCredentialAsTime("expires_at")
-	needsRefresh := expiresAt == nil || time.Until(*expiresAt) <= geminiTokenRefreshSkew
 
 	if needsRefresh && p.refreshAPI != nil && p.executor != nil {
 		result, err := p.refreshAPI.RefreshIfNeeded(ctx, account, p.executor, geminiTokenRefreshSkew)