refresh() now always clears the on-disk cache, even when ineligible

When Claude Code refreshes its internal policy-limits data, it now always clears the on-disk cache file and drops any unconfirmed session cache, no matter whether the account currently qualifies for policy limits. Previously, if the eligibility check failed, the whole refresh step was skipped and the old cache file was left in place. Now only the reload-and-log step that follows is skipped for ineligible accounts; the cache deletion always happens.