agent: lumotia — pin rust toolchain + workspace clippy/fmt sweep

rust-toolchain.toml pins to stable 1.94.1 so contributors and CI runners
share the exact rustc / rustfmt / clippy versions. Without the pin, every
machine surfaces a different lint set depending on its local install — six
pre-existing lints showed up on 1.94.1 that 1.93-era HANDOVER reported clean.

Clippy fixes (all pre-existing, not introduced by feature work):

- crates/storage/src/database.rs: std::iter::repeat().take() -> repeat_n()
- crates/llm/src/lib.rs (docs): "+ frontends" was parsed as a markdown bullet
  continuation by rustdoc, breaking doc-lazy-continuation. Reworded to "and".
- crates/llm/src/lib.rs (loop): while-let-on-iterator -> for-loop.
- src-tauri/src/commands/security.rs: .iter().any(|a| *a == x) -> .contains(&x).
- src-tauri/src/lib.rs: io::Error::new(Other, e) -> io::Error::other(e).
- src-tauri/src/tauri_app_data_migration.rs: drop function-tail `return`s
  inside cfg blocks; each platform's block now ends with a tail expression.

cargo fmt sweep across the workspace. Mechanical layout-only changes;
no semantics affected.

Workspace gates after this commit:
- cargo fmt --check: clean
- cargo clippy --workspace --all-targets -- -D warnings: clean
- cargo test --workspace: 405/0 (will become 409/0 with Phase A.1+A.2)

src-tauri/src/commands/transcripts.rs

@@ -17,9 +17,9 @@ use lumotia_storage::{
     delete_transcript as db_delete_transcript, get_transcript as db_get_transcript,
     insert_transcript as db_insert_transcript, list_transcripts_paged,
     list_trashed_transcripts as db_list_trashed_transcripts,
-    restore_transcript as db_restore_transcript,
-    search_transcripts as db_search_transcripts, update_transcript as db_update_transcript,
-    update_transcript_meta as db_update_transcript_meta, InsertTranscriptParams, TranscriptRow,
+    restore_transcript as db_restore_transcript, search_transcripts as db_search_transcripts,
+    update_transcript as db_update_transcript, update_transcript_meta as db_update_transcript_meta,
+    InsertTranscriptParams, TranscriptRow,
 };
 
 use crate::AppState;