feat(frontend): 编辑器内联工具箱——就地调生成器(含金手指)，结果一键插入正文

Phase 1（写作工作台重构）：编辑器「工具箱」按钮打开内联面板，不离开写作界面即可调用
全部生成器（含金手指——后端 golden-finger 早已齐全，此处首次露出）。复用 GeneratorRunner，
为其加可选 onInsertText：文本类产物（开篇/简介/续写/扩写等）点「插入正文」直接追加到章末，
可入库类仍走既有 ingest。useToolboxTools 客户端拉描述符（已单测）。润色/续写/工具箱三卡互斥。

apps/web/lib/toolbox/useToolboxTools.test.ts

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+// @vitest-environment jsdom
+import { renderHook, waitFor } from "@testing-library/react";
+import { afterEach, beforeEach, describe, expect, it, vi } from "vitest";
+
+import { useToolboxTools } from "./useToolboxTools";
+
+const get = vi.fn();
+const toast = vi.fn();
+vi.mock("@/lib/api/client", () => ({
+  api: { GET: (...a: unknown[]) => get(...a) },
+}));
+vi.mock("@/components/Toast", () => ({ useToast: () => toast }));
+
+describe("useToolboxTools", () => {
+  beforeEach(() => {
+    get.mockReset();
+    toast.mockReset();
+  });
+  afterEach(() => vi.clearAllMocks());
+
+  it("加载成功：拉全量描述符，status=ready", async () => {
+    const tools = [{ key: "golden-finger", title: "金手指生成器", is_legacy: false }];
+    get.mockResolvedValue({ data: { tools }, error: null });
+
+    const { result } = renderHook(() => useToolboxTools());
+    await waitFor(() => expect(result.current.status).toBe("ready"));
+    expect(result.current.tools).toEqual(tools);
+    expect(get).toHaveBeenCalledWith("/skills/toolbox", {});
+    expect(toast).not.toHaveBeenCalled();
+  });
+
+  it("data.tools 缺省时回退空数组", async () => {
+    get.mockResolvedValue({ data: { tools: null }, error: null });
+    const { result } = renderHook(() => useToolboxTools());
+    await waitFor(() => expect(result.current.status).toBe("ready"));
+    expect(result.current.tools).toEqual([]);
+  });
+
+  it("后端 error：status=error、弹错误 toast", async () => {
+    get.mockResolvedValue({ data: null, error: { detail: "boom" } });
+    const { result } = renderHook(() => useToolboxTools());
+    await waitFor(() => expect(result.current.status).toBe("error"));
+    expect(toast).toHaveBeenCalledWith(expect.any(String), "error");
+  });
+
+  it("请求抛异常：status=error、弹网络异常 toast", async () => {
+    get.mockRejectedValue(new Error("network down"));
+    const { result } = renderHook(() => useToolboxTools());
+    await waitFor(() => expect(result.current.status).toBe("error"));
+    expect(toast).toHaveBeenCalledWith("工具箱加载异常，请检查网络。", "error");
+  });
+});

apps/web/lib/toolbox/useToolboxTools.ts

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+"use client";
+
+import { useEffect, useState } from "react";
+
+import { api } from "@/lib/api/client";
+import { useToast } from "@/components/Toast";
+import type { ToolDescriptorView } from "@/lib/api/types";
+
+// 客户端拉取创作工具箱全量描述符（GET /skills/toolbox），供编辑器内联工具箱调用。
+// 描述符只读、少变，进面板时拉一次即可。
+export type ToolboxStatus = "loading" | "ready" | "error";
+
+export interface UseToolboxTools {
+  status: ToolboxStatus;
+  tools: ToolDescriptorView[];
+}
+
+export function useToolboxTools(): UseToolboxTools {
+  const [status, setStatus] = useState<ToolboxStatus>("loading");
+  const [tools, setTools] = useState<ToolDescriptorView[]>([]);
+  const toast = useToast();
+
+  useEffect(() => {
+    let cancelled = false;
+    void (async (): Promise<void> => {
+      try {
+        const { data, error } = await api.GET("/skills/toolbox", {});
+        if (cancelled) return;
+        if (error || !data) {
+          setStatus("error");
+          toast("工具箱加载失败，请重试。", "error");
+          return;
+        }
+        setTools(data.tools ?? []);
+        setStatus("ready");
+      } catch {
+        if (cancelled) return;
+        setStatus("error");
+        toast("工具箱加载异常，请检查网络。", "error");
+      }
+    })();
+    return () => {
+      cancelled = true;
+    };
+  }, [toast]);
+
+  return { status, tools };
+}