docs(config): note that XDG_* is ignored on macOS/Windows and must stay that way

[ErikBjare]

Comment-only. Directory resolution must match the server that writes the files aw-client reads (e.g. the local API key). aw-server-rust (dirs crate) and aw-core/aw-server (platformdirs) ignore XDG_* on macOS/Windows, so the client must not honor it either. Context: #119.

[chatgpt-codex-connector]

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[greptile-apps]

Confidence Score: 5/5

[Low risk] Adds explanatory comment to config code.

The comment-only change appears safe to merge.

Summary

Adds guidance that client directory resolution should remain aligned with the server when locating local files such as its API key. No executable behavior changes.

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