fix(mp): 患者端卡死深度审查修复 — CRITICAL 回归 + 并发保护 + 页栈溢出防护

CRITICAL:
- 咨询详情页 loadData 引用已删除的 pollingRef → 移除残余引用

HIGH:
- 401 重试递归改循环结构，避免并发限制器双 slot 占用
- 医生端 4 个列表页添加 loadingRef 防重入（consultation/alerts/dialysis/prescription）
- 新增 safeNavigateTo 页栈溢出保护（栈≥9 自动 redirectTo）

前期修复一并提交:
- 全局并发限制 MAX_CONCURRENT=8
- doRefresh 失败时完整清理 Storage + 重置缓存状态
- 401 跳转登录页修正
- 长轮询 generation counter 模式
- 首页/健康页 loadingRef + refreshToday 去重

apps/miniprogram/src/pages/index/index.tsx

@@ -1,5 +1,5 @@
 import { View, Text, Swiper, SwiperItem, Image } from '@tarojs/components';
-import { useState, useMemo } from 'react';
+import { useState, useMemo, useRef } from 'react';
 import Taro, { usePullDownRefresh, useDidShow, useDidHide } from '@tarojs/taro';
 import { useAuthStore } from '../../stores/auth';
 import { useUIStore } from '../../stores/ui';
@@ -190,6 +190,7 @@ function HomeDashboard({ modeClass }: { modeClass: string }) {
   const [reminders, setReminders] = useState<ReminderItem[]>([]);
   const [unreadCount, setUnreadCount] = useState(0);
   const [remindersLoading, setRemindersLoading] = useState(false);
+  const remindersLoadingRef = useRef(false);
 
   const { trigger: triggerHomeRefresh } = useThrottledDidShow(() => {
     refreshToday();
@@ -216,7 +217,8 @@ function HomeDashboard({ modeClass }: { modeClass: string }) {
 
   const loadReminders = async () => {
     const patientId = useAuthStore.getState().currentPatient?.id;
-    if (!patientId) return;
+    if (!patientId || remindersLoadingRef.current) return;
+    remindersLoadingRef.current = true;
     setRemindersLoading(true);
     try {
       const items: ReminderItem[] = [];
@@ -257,6 +259,7 @@ function HomeDashboard({ modeClass }: { modeClass: string }) {
     } catch {
       setReminders([]);
     } finally {
+      remindersLoadingRef.current = false;
       setRemindersLoading(false);
     }
   };