Add AI settings API with key management

GET/PATCH /api/v1/settings/ai return and change provider, base_url,
model, temperature and system_prompt, with read-only api_key_last4 and
key_verified_at. PATCH requires a preset provider, temperature 0-1 in
0.1 steps and a system_prompt of at most 8000 characters.
PUT /settings/ai/api-key seals the key with secretbox and records its
last four characters; POST /settings/ai/verify calls Provider.Verify and
records key_verified_at or returns the provider's typed error;
GET /settings/ai/models lists the live models; POST
/settings/ai/reset-prompt restores household.DefaultPersonaPrompt.

The new internal/ai/aisettings service also builds the harness.Config
for each skill run from the saved settings. presets.ForAccount builds a
provider's ListModels and Verify without a model, so a key can be
checked and a model picked before one is chosen.

Tests scan every response body from these routes for the full key, and
a harness run with the Fake provider uses the PATCHed model and
temperature.

Maestro task: 176b2a30-6e90-4339-b430-5b8967b2fd32

Co-Authored-By: Claude Opus 5.5 <noreply@anthropic.com>

internal/server/origin_test.go

@@ -45,7 +45,7 @@ func newOriginRouter(t *testing.T, logs io.Writer) http.Handler {
 	}
 	logger := slog.New(forwarded.LogHandler(slog.NewJSONHandler(logs, nil)))
 	r, err := NewRouter(logger, "dev", trusted, probeAuth{}, stubSessions{}, newTestSettings(t),
-		newTestSearch(t), newTestRunner(t), newTestPhotos(t), fstest.MapFS{"index.html": {Data: []byte(fixtureIndex)}})
+		newTestSearch(t), newTestAI(t), newTestRunner(t), newTestPhotos(t), fstest.MapFS{"index.html": {Data: []byte(fixtureIndex)}})
 	if err != nil {
 		t.Fatal(err)
 	}