"Approaching usage limit" warning persists when extra usage is enabled and credit is available

Preflight Checklist

• [x] I have searched existing requests and this feature hasn't been requested yet
• [x] This is a single feature request (not multiple features)

Problem Statement

When a Max plan session hits 100%, the usage limit warning appears and remains even when extra usage is toggled on, balance is available, and the user is actively being served responses. The warning implies you're blocked when you're not.

Current behaviour

Session bar hits 100%
"Approaching usage limit" warning displays
Extra usage kicks in and responses continue normally
Warning never clears despite active credit and successful responses
Expected behaviour
Warning should either not appear, or update to something like "Plan limit reached — continuing on extra usage" when extra usage is enabled and balance is available.

Why it matters
The warning causes unnecessary confusion. Users with credit enabled assume they're hard-blocked and may stop work, switch models, or raise support tickets unnecessarily. The alert is a static threshold trigger that doesn't account for the extra usage state.

Plan: Max (20x)
Extra usage: Enabled
Balance at time of warning: ~£267
Outcome: Continued to receive responses normally — warning was misleading, not accurate

Proposed Solution

Before displaying the usage limit warning, check whether:

Extra usage is enabled, AND
Account balance is above zero (or above a configurable minimum threshold)
If both conditions are true, replace the warning with a neutral informational notice:

"Plan limit reached. Continuing on extra usage — [balance] remaining."

If extra usage is off or balance is zero, show the current warning as normal.

This requires the warning component to read two additional state values (extra usage toggle + current balance) that are already available in the billing settings page, so the implementation lift should be low.

Alternative Solutions

_No response_

Priority

Medium - Would be very helpful

Feature Category

Configuration and settings

Use Case Example

I'm on a Max (20x) plan with extra usage enabled and £267 credit available
My 5-hour session hits 100% and an "approaching usage limit" warning appears
I switch models and consider stopping work, assuming I'm blocked
I send a message anyway and it goes through fine — I was on extra usage the whole time
The warning caused unnecessary confusion and wasted time troubleshooting a non-issue

Additional Context

The billing settings page already displays extra usage toggle state and current balance in the same UI — the warning component just doesn't read those values before firing. No backend changes needed, just a conditional check on the frontend before rendering the warning state.