SettingsState: reduce repetitive UserDefaults read/write boilerplate

[2witstudios]

Problem

Every property in SettingsState has a didSet that writes to UserDefaults and an init() that reads from it. The pattern is identical across 7 properties but cannot use @AppStorage because @Observable is incompatible with property wrappers.

Location

apps/purepoint-macos/purepoint-macos/State/SettingsState.swift

Suggested Fix

Either:

1. A small helper like func load<T>(_ key: String, default: T) -> T to reduce init boilerplate
2. A @Persisted property wrapper compatible with @ObservationIgnored if more settings are added

Low priority — the current approach works and all 7 properties are in one file.

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