Honor disabled speech service toggles (#814)

Co-authored-by: ghreprimand <203024559+ghreprimand@users.noreply.github.com>

tests/test_speech_service_toggles.py

@@ -0,0 +1,57 @@
+from services.stt.stt_service import STTService
+from services.tts.tts_service import TTSService
+
+
+def test_tts_disabled_toggle_blocks_synthesis(monkeypatch, tmp_path):
+    service = TTSService(cache_dir=str(tmp_path))
+    calls = {"endpoint": 0, "kokoro": 0}
+
+    monkeypatch.setattr(service, "_load_settings", lambda: {
+        "tts_enabled": False,
+        "tts_provider": "endpoint:voice-endpoint",
+        "tts_model": "tts-1",
+        "tts_voice": "alloy",
+        "tts_speed": "1",
+    })
+
+    def fake_endpoint(*args, **kwargs):
+        calls["endpoint"] += 1
+        return b"audio"
+
+    def fake_kokoro():
+        calls["kokoro"] += 1
+        return None
+
+    monkeypatch.setattr(service, "_synthesize_api", fake_endpoint)
+    monkeypatch.setattr(service, "_get_kokoro", fake_kokoro)
+
+    assert service.available is False
+    assert service.synthesize("hello") is None
+    assert calls == {"endpoint": 0, "kokoro": 0}
+
+
+def test_stt_disabled_toggle_blocks_transcription(monkeypatch):
+    service = STTService()
+    calls = {"endpoint": 0, "whisper": 0}
+
+    monkeypatch.setattr(service, "_load_settings", lambda: {
+        "stt_enabled": False,
+        "stt_provider": "endpoint:transcribe-endpoint",
+        "stt_model": "whisper-1",
+        "stt_language": "",
+    })
+
+    def fake_endpoint(*args, **kwargs):
+        calls["endpoint"] += 1
+        return "transcript"
+
+    def fake_whisper():
+        calls["whisper"] += 1
+        return None
+
+    monkeypatch.setattr(service, "_transcribe_api", fake_endpoint)
+    monkeypatch.setattr(service, "_get_whisper", fake_whisper)
+
+    assert service.available is False
+    assert service.transcribe(b"audio") is None
+    assert calls == {"endpoint": 0, "whisper": 0}