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Key at data_dir.parent/.garmin_key — nginx serves location /data/ { alias /var/bincio/data/; } so
anything inside that dir is reachable. The key lives one level up at /var/bincio/.garmin_key,
outside nginx's reach.
Two-layer storage — garmin_creds.json holds the encrypted email+password (needed for re-login when
tokens expire); garmin_session/ holds the garth OAuth tokens in plain JSON (short-lived, not the
user's actual password).
test_login() — called by the connect endpoint before saving anything, so credentials are only
persisted if they actually work.
get_client() — tries the session first (fast, no network), falls back to full re-login
transparently. The caller never needs to think about whether the session is fresh.