MCP settings tab: list every connected server, slot only where declared ...

The tab was empty on every install: it listed only servers whose config
declares a `user_key` slot, and no config declared one — which read as
"no MCP servers connected" even though five are wired to profiles.

- GET /mcp-keys now returns every server referenced by at least one
  profile, keyed ones first, with `accepts_user_key`, the slot location
  (null when there is none) and the profile ids that connect it. The
  per-user key store is skipped entirely when nothing has a slot.
- gnexus-creds declares `user_key: {header: Authorization, prefix:
  "Bearer "}` — it is the one server carrying a shared credential, so its
  personal-key field is now real: users with a key run under their own,
  users without one fall back to the shared default.
- The panel lists all servers (transport + profiles), dims the keyless
  rows, and shows a key input only for slotted ones, spelling out the
  shared-key fallback.

docs/api.md and docs/mcp.md updated; backend 1367 passed, webclient 148.

docs: mcp.md (per-user MCP keys BYOK), /mcp-keys endpoints, user_key config