story-kit: create 101_story_test_coverage_http_chat_rs_to_80

.story_kit/work/1_upcoming/101_story_test_coverage_http_chat_rs_to_80.md

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+---
+name: "Test Coverage: http/chat.rs to 80%"
+---
+
+# Story 101: Test Coverage: http/chat.rs to 80%
+
+## User Story
+
+As a developer, I want http/chat.rs to have at least 80% test coverage, so that regressions in the chat HTTP handler are caught early.
+
+## Acceptance Criteria
+
+- [ ] server/src/http/chat.rs reaches at least 80% line coverage (currently 0%, 5 lines total)
+- [ ] cargo clippy passes with no warnings
+- [ ] cargo test passes with all tests green
+- [ ] No changes to production code, only test code added
+
+## Out of Scope
+
+- TBD