feat(apiproxy): make the default model a user setting the picker writes

The route a new session starts from was frozen into the gateway's
composition entry, so switching models in a conversation reached only that
conversation and every later session went back to the shipped default.

The gateway now owns an `api-gateway` settings section: the entry is the
base layer and the user document layers over it, so `session.selectModel`
records an accepted switch as the default for the next session. The write
is wholesale rather than a merge — switching to a model with no reasoning
effort has to clear a stored one — and a storage failure is reported
without undoing the switch, which already applies to its own session.

`targetFor` now resolves its tiers on every read instead of seeding once:
an explicit selection, else the session's own logged request header, else
the live default. That is what keeps a session that has run a turn deriving
its route from its log forever after, while a session still blank — New
Session reuses one rather than minting another — starts from a default
saved after it was created.

packages/host/apiproxy/tests/api-proxy-commands.spec.ts

@@ -25,7 +25,7 @@ import type { RpcRequest, RpcResponse } from '../src/api/rpc.ts'
 import { RpcId } from '../src/api/rpc.ts'
 import { createApiProxy } from '../src/api-proxy.ts'
 
-const DEFAULTS = { provider: 'p', model: 'm', cwd: '/tmp', workspaceRoot: '/tmp' }
+const DEFAULTS = { defaultTarget: () => ({ provider: 'p', model: 'm' }), cwd: '/tmp', workspaceRoot: '/tmp' }
 
 function request<P>(payload: P): RpcRequest<P> {
   return { rpcId: RpcId(`req-${String(nextRpc++)}`), payload }