hermes_state_user_copy.py is the one table feeding the CLI banner, gateway
warning and TUI/Desktop RPC errors, and its action strings were still bare
(`hermes doctor --fix`, `hermes gateway stop`, `hermes sessions recover`).
Substitute {profile_arg} once in describe_storage_failure so those surfaces
get the same pin as the turn explainer.
Also keep final_response unbound in the turn_finalizer error fallback: it
feeds the external-memory sync and the background-review gate, which must
still see an empty response on a persistence-failed turn. One test binds the
fallback (explainer stubbed empty) and the untouched final_response.
b6bba97f7b