refactor!: one way to serve books: the stdio server is gone (D-44)

The owner (2026-10-23): "We should probably just delete the stdio path
altogether. THere's no point in that. And it sitting there unused will
just lead to bitrot. Nuke it?"

Books are served only by the books server (`wanderbooks server`),
reached by agents through the bridge (`wanderbooks mcp --book ID`),
which stays.

Removed: `wanderbooks dev-stdio`, the `ledger-mcp` binary, and
`ledger_mcp::run` (stdio and `--http` over a bare data dir), with all
that only that mode had:
- files the books make coming back inline: `HandedFile.content_base64`
  is gone, and `download` and `expires_at` are always there;
- books with no access log or backups: `books.access_log`,
  `books.backup` and `books.back_up_now` are always offered, by scope;
- the settings file read and reloaded (`legacy_files`), the vault key
  named by a file or `--vault-key-file`, and the books dir's
  key-inside-the-books and git checks (with `paths.rs`);
- `wire.rs` (the bridge frames an agent's lines itself);
- `books.settings`' file fields and `books.start`'s `settings_source`.

`BooksServer` is built one way, from `Served` (a book as the books
server serves it), in production and in the unit tests. An unknown tool
is now a protocol error (mcp-tools.md). Inline file input is unchanged.

Then the owner's three decisions (2026-10-23, the question tool):
(a) `books.import_settings` is removed entirely (118 tools): old books
come in whole by `wanderbooks books adopt`, which reads their settings
file once; ledger-config keeps its settings-file parsing only as far as
adoption uses it (`load` and the path-reading `effective_receipt_policy`
are gone), and `books.chart_template` gives its settings as
`books.set_setting` changes. (b) The viewer's loose-books-folder mode is
removed (`--data-dir`, `--books-toml`, `--vault-key-file`, the settings
file and config.json followed): it opens only books of the data root,
reading settings from the journal and the vault from the book's own
`vault/` and `keys/`. (c) `wanderbooks dev-stdio` has no stub: it is an
unknown command like any other word. Also: an upload's expiry past the
calendar is an error, never an empty string.

Tests: every suite that drove the stdio server moved to
crates/ledger-cli/tests/ and drives a real `wanderbooks server` on a
data root of its own (tests/common), handed files by their download;
mcp_stdio.rs is mcp_journeys.rs. Tests of what is gone are deleted and
listed in docs/testing.md. Docs: plan D-44 (D-18 superseded), STATUS,
testing, rules, mcp-interface, the handbook, README; justfile recipes.

Co-Authored-By: Claude Opus 5.5 <noreply@anthropic.com>
Claude-Session: https://claude.ai/code/session_01T3gXMVt7XJPi6ens1or9Dj

crates/ledger-gui/tests/live.rs

@@ -1,4 +1,4 @@
-//! Live updates: a change written to the books (by the MCP server, in
+//! Live updates: a change written to the books (by the books server, in
 //! practice) reaches the GUI's view model on its own, without a restart,
 //! and the changed entry is marked fresh; a show request reaches it, and
 //! while it runs it holds the books' viewer presence.
@@ -121,16 +121,21 @@ fn a_change_in_another_process_shows_up_live() {
     );
 }
 
-/// An older books dir that keeps no settings in its journal and has no
-/// settings file: one written while the viewer runs is followed, as its
-/// server follows it.
+/// A setting the server journals while the viewer runs is followed (the
+/// books' own settings, the only ones the viewer reads: D-44); a settings
+/// file beside the books is never read.
 #[test]
-fn a_settings_file_made_later_is_followed() {
-    let dir = std::env::temp_dir().join(format!("ledger-gui-live-toml-{}", std::process::id()));
+fn a_setting_changed_while_it_runs_is_followed() {
+    let dir = std::env::temp_dir().join(format!("ledger-gui-live-set-{}", std::process::id()));
     let _ = std::fs::remove_dir_all(&dir);
     let _cleanup = TestDir(dir.clone());
     let data = dir.join("books-data");
     drop(Store::create(&data, Currency::USD).unwrap());
+    std::fs::write(
+        dir.join("wanderbooks.toml"),
+        "[company]\nname = \"Beside Co\"\n",
+    )
+    .unwrap();
     let loader = Loader::spawn(
         Source {
             data_dir: data.clone(),
@@ -139,23 +144,31 @@ fn a_settings_file_made_later_is_followed() {
         egui::Context::default(),
     );
     match loader.wait(Duration::from_secs(10)) {
-        Some(Update::Books(b)) => assert_ne!(b.settings.company.name, "Made Later Co"),
+        Some(Update::Books(b)) => assert_ne!(b.settings.company.name, "Beside Co"),
         _ => panic!("no initial load"),
     }
-    std::fs::write(
-        dir.join("wanderbooks.toml"),
-        "[company]\nname = \"Made Later Co\"\n",
-    )
-    .unwrap();
+    let mut store = Store::open(&data).unwrap();
+    store
+        .change_settings(
+            &[ledger_core::settings::Change {
+                key: "company.name".into(),
+                value: Some(serde_json::json!("Made Later Co")),
+            }],
+            &ledger_core::settings::Source {
+                decided_by: "Tobin Harlow".into(),
+                decided_on: NaiveDate::from_ymd_opt(2026, 10, 12).unwrap(),
+                citation: None,
+                note: None,
+            },
+        )
+        .unwrap();
+    drop(store);
     let deadline = Instant::now() + Duration::from_secs(10);
     loop {
-        assert!(
-            Instant::now() < deadline,
-            "the new settings file was never read"
-        );
+        assert!(Instant::now() < deadline, "the new setting was never read");
         match loader.wait(Duration::from_millis(200)) {
             Some(Update::Books(b)) if b.settings.company.name == "Made Later Co" => break,
-            Some(Update::Error(e)) => panic!("the settings file didn't load: {e}"),
+            Some(Update::Error(e)) => panic!("the books didn't load: {e}"),
             _ => {}
         }
     }