fix(panel): guild settings not pre-filling from database

Guild draft was initialized with defaults before the API response
arrived, then never updated because the !guildDraft guard prevented
overwriting. Gate initialization on !loading so saved values are used.

Co-Authored-By: Claude Opus 4.6 (1M context) <noreply@anthropic.com>

panel/src/pages/Settings.tsx

@@ -20,7 +20,6 @@ import {
   useSettings,
   type GameSettings,
   type GuildSettings,
-  type SettingsMeta,
 } from "../lib/useSettings";
 import {
   GuildSection,
@@ -107,14 +106,14 @@ export default function Settings() {
   }, [settings, gameDraft]);
 
   useEffect(() => {
-    if (!guildDraft) {
+    if (!guildDraft && !loading) {
       setGuildDraft(
         guildSettings
           ? structuredClone(guildSettings)
           : { ...defaultGuildSettings, guildId: meta?.guildId ?? "" }
       );
     }
-  }, [guildSettings, guildDraft, meta?.guildId]);
+  }, [guildSettings, guildDraft, meta?.guildId, loading]);
 
   const isGuildTab = activeSection === "guild";