pub fn load() -> Result<Settings>Expand description
Load settings from ~/.innate/settings.json.
Fail-closed: only an absent file falls back to Settings::default(). A
present-but-unreadable or unparseable file returns Err rather than silently
degrading to defaults (which would drop the user’s LLM/embedding config and
run on the Dummy provider). Callers that open the knowledge base propagate
this error so a corrupt config surfaces instead of producing a Dummy DB.