Address the openchamber-ai review's non-blocking notes:
- Concurrency evidence: the torn-write test now injects a slow, chunked
writeFile (one open handle, file grows prefix->full) so a torn read is
deterministically observable in the 30ms window. A companion test runs the
naive direct writer under the same load and asserts torn reads ARE produced,
proving the atomicity test can actually fail on the pre-fix writer.
- Windows fallback comment: no longer claims the copyFile fallback is atomic;
it is called out as a last resort confined to Windows.
- Module map: document cli-settings-accessors.js in bin/lib/DOCUMENTATION.md.