fix: isolate concurrent OpenCode chat runs

tests/unit/providers-settings.test.tsx

@@ -135,7 +135,42 @@ describe('ProvidersSettings', () => {
     render(<ProvidersSettings />);
 
     await waitFor(() => {
-      expect(providerState.importUserModelConfig).toHaveBeenCalledWith('access-token');
+      expect(providerState.importUserModelConfig).toHaveBeenCalledWith('access-token', {
+        runtimeRefresh: 'defer',
+      });
+    });
+  });
+
+  it('applies a pending runtime refresh only after the user explicitly syncs models', async () => {
+    authState.accessToken = 'access-token';
+    providerState.importUserModelConfig = vi.fn()
+      .mockResolvedValueOnce({
+        account: baseProviderState.accounts[0],
+        importedModels: ['gpt-4.1-mini'],
+        runtimeRefreshRequired: true,
+      })
+      .mockResolvedValueOnce({
+        account: baseProviderState.accounts[0],
+        importedModels: ['gpt-4.1-mini'],
+        runtimeRefreshRequired: true,
+      });
+
+    render(<ProvidersSettings />);
+
+    expect(await screen.findByTestId('providers-runtime-refresh-pending')).toBeVisible();
+    expect(providerState.importUserModelConfig).toHaveBeenNthCalledWith(1, 'access-token', {
+      runtimeRefresh: 'defer',
+    });
+
+    fireEvent.click(screen.getByTestId('providers-sync-user-models-button'));
+
+    await waitFor(() => {
+      expect(providerState.importUserModelConfig).toHaveBeenNthCalledWith(2, 'access-token', {
+        runtimeRefresh: 'apply',
+      });
+    });
+    await waitFor(() => {
+      expect(screen.queryByTestId('providers-runtime-refresh-pending')).not.toBeInTheDocument();
     });
   });
 });