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/cordis-catalog/services.md

@@ -866,7 +866,7 @@ stream(options: GenerateOptions): AsyncIterable<StreamChunk>
 
 Types: [AdapterRegistrationHandle](../core-data-structures/core.md) · [GenerateOptions](../core-data-structures/core.md) · [LlmAdapter](../core-data-structures/llm-streaming.md) · [LlmCallConfig](../core-data-structures/core.md) · [LlmModelInfo](../core-data-structures/core.md) · [LlmProviderInfo](../core-data-structures/core.md) · [LlmResolvedModelInfo](../core-data-structures/core.md) · [PreparedLlmCall](../core-data-structures/llm-streaming.md) · [ResolvedRetryPolicy](../core-data-structures/llm-streaming.md) · [StreamChunk](../core-data-structures/llm-streaming.md)
 
-Source: [`packages/llm/llm/src/index.ts:211`](../../packages/llm/llm/src/index.ts)
+Source: [`packages/llm/llm/src/index.ts:215`](../../packages/llm/llm/src/index.ts)
 
 ## `ctx.permission` — `PermissionService`