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/todo/tool-todo/tests/projection.spec.ts

@@ -45,7 +45,7 @@ async function harness(withTodoTool: boolean): Promise<Bench> {
   if (withTodoTool) await ctx.plugin(ToolTodo, { allowParallelInProgress: true })
   const session = ctx.sessions.create()
   ctx.agents.register({ id: session.id, session, status: 'idle', ctx } as Agent)
-  const api = createApiProxy(ctx, { provider: 'p', model: 'm', cwd: '/tmp', workspaceRoot: '/tmp' })
+  const api = createApiProxy(ctx, { defaultTarget: () => ({ provider: 'p', model: 'm' }), cwd: '/tmp', workspaceRoot: '/tmp' })
   return {
     ctx,
     session,