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The superseded personal-config Agent Note and its superseding profile note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.

examples/mcp-memory/README.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 examples/mcp-memory/README.md
-README.md: f60bef4c4a44a3c0fb87bec0f7952069566393b5
-README.zh.md: 476e1fbb0b9f22864cc66d8f5d505a0d59e296ae
+README.md: 023e6aefce0e78cbbf52620426376e1dd0a6b8cf
+README.zh.md: 44ace680cd583f41903437a69c62e30817308ba2