fix(llm,settings): refuse post-disposal route replacement and teardown notifications

Two lifecycle holes the registry and the consumer helper left open.

`AdapterRegistrationHandle.replace` had no liveness guard: after the handle's
disposer ran, a replace put routes back into the registry with nothing left to
release them, so the adapter leaked permanently. `owned` being empty cannot
carry that fact, because `replace([])` is the legal empty-section state, so the
disposer records it explicitly.

`installSettingsSection`'s watcher lacked the guard its own disposer carries:
a stored change landing while the consumer unloads reached `onChange`, which
re-registers routes against a fiber whose resources are being released.

Also documents `withFileLock` in the atomic-write README (it claimed one
export), records the age-based lock takeover as a known limitation, and lists
ctx.settings and ctx.credentials in the architecture capability table.

docs/architecture.i18n.yaml

@@ -2,5 +2,5 @@
 # side as of the last confirmed-consistent state. Both languages carry equal authority;
 # after editing either side, bring the other along and re-record with:
 #   pnpm run verify-translation-pairing --write docs/architecture.md
-architecture.md: 1fd9bd128d1bcc0dd91d46131981ea4fc331bd74
-architecture.zh.md: 8521f09c6e415f9f8d1c0a44f7534b59c876decc
+architecture.md: bfea67b9f83958e16b58e63b99e326349f6eff15
+architecture.zh.md: c2fd6cdd84ad2f6435faebffa0c4c1a6da0ade96