fix: retire leftovers of the removed $DSH_HOME/config.yaml personal overlay

The profile rework left references to the old entry modes behind. Renames
the user patch-layer API and its spec file (watchPersonalPatches ->
watchUserPatches, personal-config.spec.ts -> user-patches.spec.ts) and
retargets the prose that still named `config.yaml`, `--config`, raw-config
mode, and surface overlays: repository-plugin and mcp-memory READMEs, the
credentials-local anchor into app-boot, vendor manifest items 12-13, the
vendored include/hmr comments, and install.sh.

Restores the boot-failure guard the rework dropped with raw mode: the
built-bin case now boots `--profile web --patch <invalid>` and asserts the
settled diagnostic and exit 1, so the HMR initial-scan deadlock stays
covered; its orphaned raw fixture is renamed and the unused one deleted.
The superseded personal-config Agent Note and its superseding profile note
are now cross-linked.

scripts/install.sh

@@ -46,7 +46,7 @@
 #   DSH_MASTER       master clone directory              (default: $DSH_SOURCE/master)
 #   DSH_CURRENT      stable symlink to the active worktree (default: $DSH_SOURCE/current)
 #   DSH_BIN_DIR      directory the `dsh` symlink lands in (default: ~/.local/bin)
-#   DSH_HOME         Harness home holding the personal config (default: ~/.dsh)
+#   DSH_HOME         Harness home holding profiles and user patches (default: ~/.dsh)
 # FIXME(install-ts): Move the post-checkout workflow into a tested TypeScript
 # entrypoint; keep this POSIX shell file as the curl/source bootstrap.
 set -eu