ok lets ship for now

lib/models/app_cloud_prefs.dart

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+/// Cloud-synced app preferences (Home sections + Look ahead).
+library;
+
+import 'home_built_in_sections.dart';
+
+/// One-per-user prefs row mirrored in PocketBase `app_prefs`.
+class AppCloudPrefs {
+  const AppCloudPrefs({
+    required this.homeBuiltInSections,
+    required this.lookAheadMaxYears,
+  });
+
+  final HomeBuiltInSections homeBuiltInSections;
+  final int lookAheadMaxYears;
+
+  static const defaults = AppCloudPrefs(
+    homeBuiltInSections: HomeBuiltInSections.defaults,
+    lookAheadMaxYears: 5,
+  );
+
+  AppCloudPrefs copyWith({
+    HomeBuiltInSections? homeBuiltInSections,
+    int? lookAheadMaxYears,
+  }) {
+    return AppCloudPrefs(
+      homeBuiltInSections:
+          homeBuiltInSections ?? this.homeBuiltInSections,
+      lookAheadMaxYears: lookAheadMaxYears ?? this.lookAheadMaxYears,
+    );
+  }
+}
+
+/// Prefer local when the user has pending edits; otherwise take remote.
+AppCloudPrefs mergeAppCloudPrefs({
+  required AppCloudPrefs local,
+  required AppCloudPrefs? remote,
+  required bool preferLocal,
+}) {
+  if (preferLocal || remote == null) return local;
+  return remote;
+}

pocketbase/pb_migrations/1740000007_ingtrak_app_prefs.js

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+/// PocketBase migration: per-user app preferences (Home sections + Look ahead).
+///
+/// Apply on the server:
+///
+///   sudo cp this_file /opt/pocketbase/pb_migrations/
+///   sudo chown pocketbase:pocketbase /opt/pocketbase/pb_migrations/*.js
+///   sudo -u pocketbase /opt/pocketbase/pocketbase migrate up
+///   sudo systemctl restart pocketbase
+///
+/// Depends on usersapp.
+migrate((app) => {
+  const users = app.findCollectionByNameOrId("usersapp");
+
+  const ownerRules = {
+    listRule: "user = @request.auth.id",
+    viewRule: "user = @request.auth.id",
+    createRule: "@request.auth.id != '' && user = @request.auth.id",
+    updateRule: "user = @request.auth.id",
+    deleteRule: "user = @request.auth.id",
+  };
+
+  const appPrefs = new Collection({
+    type: "base",
+    name: "app_prefs",
+    ...ownerRules,
+    fields: [
+      {
+        type: "relation",
+        name: "user",
+        required: true,
+        collectionId: users.id,
+        cascadeDelete: true,
+        maxSelect: 1,
+      },
+      {
+        type: "bool",
+        name: "home_show_transactions",
+        required: false,
+      },
+      {
+        type: "bool",
+        name: "home_show_categorized",
+        required: false,
+      },
+      {
+        type: "bool",
+        name: "home_show_recent",
+        required: false,
+      },
+      {
+        type: "number",
+        name: "look_ahead_max_years",
+        required: false,
+        onlyInt: true,
+      },
+    ],
+    indexes: [
+      "CREATE UNIQUE INDEX idx_app_prefs_user ON app_prefs (user)",
+    ],
+  });
+  app.save(appPrefs);
+}, (app) => {
+  try {
+    const col = app.findCollectionByNameOrId("app_prefs");
+    app.delete(col);
+  } catch (_) {}
+});