feat(settings): add user-settings seam (ctx.settings) + file provider

Two-package capability family mirroring session-persistence/:

- dsh-settings: abstract Settings service — namespace registry with
  caller-fiber effect registrations, layered resolution (schema defaults
  < composition base < user document), schemastery validation,
  per-namespace deep-equal commit detection, and the settings/updated
  event. Boot/registration validation fails loud; provider publishes
  keep last-good per namespace.
- dsh-settings-local: settings.yaml/.json provider — resolveSpec
  defaulting to $DSH_HOME/settings.yaml, chokidar hot reload,
  content-equality self-write suppression, atomic 0600 tmp+rename
  writes, comment-preserving YAML namespace patching.

Consumers register inside ctx.inject(['settings'], …), so every
composition works unchanged without a mounted provider. Real Loader +
Include composition test proves cordis.yml boot and external-edit hot
propagation; HMR disposal test proves registry cleanup. Both packages
hold per-file 100% coverage.

Doc budgets rise 1705→1710 (AGENTS.md) and 835→845 (packages/README.md):
one structural line per file for the new package group.

Agent Note: .agents/notes/implemented/architecture/2026-07-28-user-settings-seam.md

docs/event-producer-consumer.md

@@ -35,6 +35,7 @@ This matrix shows which packages dispatch each harness-owned event and which pac
 | `session/disposed` | `emit` | [`packages/core/session/src/index.ts:80`](../packages/core/session/src/index.ts) | [`session`](../packages/core/session) (`events.dispatch`) | [`agent-loop`](../packages/core/agent-loop), `apiproxy`, [`session-persistence`](../packages/session-persistence/session-persistence), [`session-telemetry`](../packages/telemetry/session-telemetry), [`session-title`](../packages/session-title/session-title) |
 | `session/event` | `emit` | [`packages/core/session/src/index.ts:92`](../packages/core/session/src/index.ts) | [`session`](../packages/core/session) (`events.dispatch`) | [`acp`](../packages/acp/acp), `apiproxy`, [`cli-demo`](../packages/examples/cli-demo), [`compact`](../packages/compact/compact), [`compact-basic`](../packages/compact/compact-basic), [`goal`](../packages/goal/goal), [`goal-session`](../packages/goal/goal-session), [`hook-protocol`](../packages/hooks/hook-protocol), [`jsonrpc`](../packages/ui/jsonrpc), [`plan-mode`](../packages/plan/plan-mode), [`session`](../packages/core/session), [`session-persistence`](../packages/session-persistence/session-persistence), [`session-telemetry`](../packages/telemetry/session-telemetry), [`session-title`](../packages/session-title/session-title), [`token-meter`](../packages/llm/token-meter), [`tools`](../packages/core/tools), [`tui`](../packages/ui/tui), [`user-approval`](../packages/ui/user-approval), [`workspace-context`](../packages/context/workspace-context) |
 | `session/flush` | `parallel` | [`packages/core/session/src/index.ts:102`](../packages/core/session/src/index.ts) | [`session`](../packages/core/session) (`events.dispatch`) | [`session-persistence`](../packages/session-persistence/session-persistence), [`session-telemetry`](../packages/telemetry/session-telemetry) |
+| `settings/updated` | `emit` | [`packages/settings/settings/src/index.ts:90`](../packages/settings/settings/src/index.ts) | [`settings`](../packages/settings/settings) (`emit`) | [`settings`](../packages/settings/settings) |
 | `slash/input-begin-command` | `bail` | [`packages/client/ui-slash/src/types.ts:230`](../packages/client/ui-slash/src/types.ts) | - | `ui-conversation` |
 | `slash/input-consume-token` | `bail` | [`packages/client/ui-slash/src/types.ts:244`](../packages/client/ui-slash/src/types.ts) | - | `ui-conversation` |
 | `slash/input-insert-reference` | `bail` | [`packages/client/ui-slash/src/types.ts:237`](../packages/client/ui-slash/src/types.ts) | - | `ui-conversation` |