ui: do not show 'initializing' when no card is inserted

The message branch treated the static auto_equip config flag as if
initialization were in progress, so with auto-equip on (default) a
cardless server showed 'Card inserted — initializing...' instead of the
no-card message. The initializing state now requires equipping or an
actually present card with auto-equip enabled; regression test added.
SW cache v106 -> v107.

frontend/tests/card_state.test.js

@@ -120,3 +120,10 @@ test('availability state and control gating follow server/card state', () => {
 	assert.strictEqual(pysimControlDisabled('card', 'card'), false);
 	assert.strictEqual(pysimControlDisabled('server', 'card'), false);
 });
+
+test('no card with auto-equip enabled still shows the no-card message', () => {
+	const { el } = setup();
+	pysimCardStateUpdate(status({ connected: false, card_present: false, auto_equip: true }));
+	assert.ok(el.innerHTML.includes('No card detected'), el.innerHTML);
+	assert.ok(!el.innerHTML.includes('initializing'), el.innerHTML);
+});