a34fc8b11awallet: handle disabled startup settings (Robert Hamilton)b7113e6f42test: 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 ACKa34fc8b11akevkevinpal: tACKa34fc8b11aachow101: ACKa34fc8b11ajeanpablojp: tACKa34fc8b11aTree-SHA512: 5e43028200478f89e71ebe7e0fc28c559f15e713226124899a69eb90d413d8ecaaaca02267d5a848068d70555b3e4334993f414de2debf6a22d73a51a71d1acd
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