Abort startup on a config file pixa cannot read (closes #176)

Of the places pixa looks for its config file on its own, it passed over
any place where os.Stat failed, so a file in a directory pixa may not
enter was skipped without a word and pixa started on a later file or on
the environment and defaults. Now only a file that does not exist is
passed over; any other error aborts startup naming the file, as a file
that does not parse already did. README.md says so where it gives the
search order.

Model: opus-5-5

internal/config/config.go

@@ -4,6 +4,7 @@ package config
 import (
 	"errors"
 	"fmt"
+	"io/fs"
 	"log/slog"
 	"math"
 	"net/netip"
@@ -778,19 +779,25 @@ func loadConfigFile(log *slog.Logger, appName string) (*smartconfig.Config, erro
 	for _, path := range configPaths {
 		cleanPath := filepath.Clean(path)
 
+		// Only a config file that does not exist is skipped. One that
+		// cannot be read or does not parse is a fatal startup error.
 		_, statErr := os.Stat(cleanPath)
-		if statErr == nil {
-			// A config file that exists but does not parse is a fatal
-			// startup error, never something to skip over.
-			sc, err := smartconfig.NewFromConfigPath(path)
-			if err != nil {
-				return nil, fmt.Errorf("failed to parse config file %s: %w", path, err)
-			}
-
-			log.Info("loaded config file", "path", path)
-
-			return sc, nil
+		if errors.Is(statErr, fs.ErrNotExist) {
+			continue
 		}
+
+		if statErr != nil {
+			return nil, fmt.Errorf("failed to read config file %s: %w", path, statErr)
+		}
+
+		sc, err := smartconfig.NewFromConfigPath(path)
+		if err != nil {
+			return nil, fmt.Errorf("failed to parse config file %s: %w", path, err)
+		}
+
+		log.Info("loaded config file", "path", path)
+
+		return sc, nil
 	}
 
 	return nil, nil //nolint:nilnil // nil config is valid (use defaults)