A key that lives in the central config is only worth centralizing if
publishing it does not cost a fleet restart. The backend bakes host and
Authorization header into its clients, so it now accepts a fresh
LLMConfig: clients are dropped and rebuilt on the next call, health
stays keyed by target name, and the probe follows the new hosts too.

The overlay's llm section is no longer always staged. It is re-parsed
against the local document and swapped live; only a backend without the
swap method or a document that fails to parse falls back to
restart_required.

A live refresh cannot swap LLM backends or the MCP pool — both are built
with the container — so a document that changes those sections was reported
as applied while the old wiring kept running. Compare the sections against
the previous document and stage them by name.

An instance that knows a hive with the swarm key starts from the hive
document: layers that apply to it are merged over its local config, fields
the hive does not mention stay local, and an empty answer means 'run exactly
your own config'. Settings, profiles, LLM routes and MCP servers are covered;
database URL, ports, auth switches and the channel's own settings can never be
overridden.

Startup fetches with a short timeout, falls back to the last validated overlay
on disk and refuses to crash-loop on a document that killed the previous start.
A live refresh applies secrets and timeouts in place (the frozen singleton is
written through one deliberate escape hatch), rebuilds profiles from their
local base and reports everything else as restart_required. The hive reaches
the instance by push, by the announce reply and by a retry sweep; every apply
is acked back, which is what the hive's status view reads.