is_model_cached() marked a model as not-cached whenever any .incomplete
blob existed in its cache dir, even when a completed blob with the same
hash already sat next to it. A retried/concurrent download can leave
this orphan behind after the real transfer already finished, which made
the model appear perpetually "downloading" and re-trigger a full
re-download on every load.
Only .incomplete files with no matching completed blob now count as a
genuinely in-progress download.