Which AI tool would you use most — and what's missing?

Cognivara AI ships with 6 on-device tools:

📄 Resume Coach — find keyword gaps before applying ✍️ Ghost Writer — draft sensitive messages privately 🏥 Health Decoder — understand diagnoses in plain English 💰 Money Translator — decode contracts and loan terms 📓 Private Journal — think through decisions with AI 🔬 Explain It — learn any topic, offline

Curious — which one would you reach for first? And more importantly, what tool is missing that you'd want in a private AI assistant?