fix(routes): normalize session owner fallback helpers (#4313)

* fix(memory): normalize import session fallback

* fix(chat): use token owner for compaction scope

* fix(background): honor session endpoint fallback

routes/chat_helpers.py

@@ -159,17 +159,9 @@ async def auto_name_session(session_manager, sess):
             return
 
         owner = getattr(sess, "owner", None)
-        t_url, t_model, t_headers = resolve_task_endpoint(owner=owner)
-        if not t_model:
-            # If no task/utility model is configured at all, fall back to
-            # the session's own model so auto-naming still works even on
-            # minimal setups.
-            from src.endpoint_resolver import resolve_endpoint
-            _fallback = resolve_endpoint("default", owner=owner)
-            if _fallback and _fallback[1]:
-                t_url, t_model, t_headers = _fallback
-            else:
-                t_url, t_model, t_headers = sess.endpoint_url, sess.model, sess.headers
+        t_url, t_model, t_headers = resolve_task_endpoint(
+            sess.endpoint_url, sess.model, sess.headers, owner=owner
+        )
         if not t_model:
             logger.debug("[auto-name] No model provided, skipping")
             return
@@ -576,7 +568,8 @@ async def build_chat_context(
     if not incognito:
         fire_message_event(request, webhook_manager, session_id, sess, message, compare_mode)
 
-    # Resolve user prefs
+    # Resolve owner-scoped prefs/context. Browser requests keep the cookie user;
+    # bearer-token chat requests use the token owner instead of the "api" sentinel.
     user = effective_user(request)
     uprefs = load_prefs_for_user(user)