Settings loading caches file ownership checks, so startup does less repeated work.
What's wrong with this entry?
Settings loading now caches file ownership for the project root, its .git entry and its .claude entry, plus a resolved home directory, and reports read problems as structured issues instead of raw errors.
- A home directory that cannot be resolved raises "home directory realpath unavailable"; a file that cannot be read produces a fatal issue reading "Settings file could not be read: ...".
- The managed-settings locations (/Library/Application Support/ClaudeCode, C:\Program Files\ClaudeCode, /etc/claude-code) and the drop-in directory beside them moved into a resettable holder.
- The settings directory is now created before every write, not only when the file was missing.
home directory realpath unavailable
Strings lifted out of the shipped bundle, so the claim above can be checked against them.