Merge bitcoin/bitcoin#36176: wallet: avoid a crash when creating a wallet with -nosettings

a34fc8b11a wallet: handle disabled startup settings (Robert Hamilton)
b7113e6f42 test: characterize disabled wallet settings (Robert Hamilton)

Pull request description:

  I hit a crash while creating a new wallet in Bitcoin-Qt 31.1 on an Apple silicon Mac with `nosettings=1`. After looking through the crash report and code, I traced it to saving the wallet's load-on-startup setting: the settings writer throws when dynamic settings are disabled.

  Wallet RPCs report errors with `-nosettings` after changing wallet state. In Qt, the same settings write causes an uncaught exception.

  Return a persistence failure when dynamic settings are disabled so wallet operations finish with their existing startup-setting warning. This avoids an uncaught exception in Qt and RPC errors after the wallet state has already changed. Keep in-memory and no-op updates unchanged.

  The first commit adds functional coverage for the current behavior. The second adds the fix, updates the assertions to expect success with warnings, and documents that failed settings writes keep the in-memory changes.

  ### Manual Reproduction

  Run on the parent commit and the fixed commit, using a fresh temporary regtest data directory each time:

  ```sh
  { cmake -B build-wallet-review -DBUILD_GUI=ON && cmake --build build-wallet-review -j --target bitcoin-qt; } >/dev/null 2>&1
  build-wallet-review/bin/bitcoin-qt -regtest -datadir="$(mktemp -d)" -nosettings -noconnect
  ```

  Choose `File` > `Create Wallet...`, enter `repro`, leave the defaults unchanged, and click `Create`.

  Before the fix, the application terminates with:

  ```text
  libc++abi: terminating due to uncaught exception of type std::logic_error: Attempt to write settings file when dynamic settings are disabled.
  ```

  After the fix, the wallet is created and the application displays:

  ```text
  Wallet load on startup setting could not be updated, so wallet may not be loaded next node startup.
  ```

ACKs for top commit:
  l0rinc:
    tested ACK a34fc8b11a
  kevkevinpal:
    tACK a34fc8b11a
  achow101:
    ACK a34fc8b11a
  jeanpablojp:
    tACK a34fc8b11a

Tree-SHA512: 5e43028200478f89e71ebe7e0fc28c559f15e713226124899a69eb90d413d8ecaaaca02267d5a848068d70555b3e4334993f414de2debf6a22d73a51a71d1acd

src/node/interfaces.cpp

@@ -843,7 +843,7 @@ public:
         });
         if (!action) return false;
         // Now dump value to disk if requested
-        return *action != interfaces::SettingsAction::WRITE || args().WriteSettingsFile();
+        return *action != interfaces::SettingsAction::WRITE || (args().GetSettingsPath() && args().WriteSettingsFile());
     }
     bool overwriteRwSetting(const std::string& name, common::SettingsValue value, interfaces::SettingsAction action) override
     {