Reconcile backups now land as .<file>.bak instead of <file>.bak, so they
no longer clutter the configs folder. The .bak suffix is kept, so every
existing walker/sourcing exclusion still applies.
Also exclude dotfiles and *.bak from findConfigFileForOption: it walked
the configs tree with no backup exclusion, so depending on directory
order a 'config update' could resolve a key to the backup file and write
the user's change there — silently lost.
Co-Authored-By: Claude Fable 5 <noreply@anthropic.com>
Signed-off-by: librelad <librelad@digitalangels.vip>
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