Setup wizard now shows existing allowed_users when reconfiguring a
platform and preserves them if the user presses Enter. Previously the
wizard would display a misleading "No allowlist set" warning even when
the .env still held the original IDs.
Also downgrades the "provider X has no API key configured" log from
WARNING to DEBUG in resolve_provider_client — callers already handle
the None return with their own contextual messages. This eliminates
noisy startup warnings for providers in the fallback chain that the
user never configured (e.g. minimax).
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