ssh: auto-load keys into agent on login (macOS + Linux desktop)
UseKeychain yes was removed in macOS Tahoe, so replace it with a
LaunchAgent running `ssh-add --apple-load-keychain` at login.
On Linux, add an ssh-agent service and a systemd user service that
loads keys via ksshaskpass/KWallet. Both are gated on isDesktop —
the server only accepts inbound SSH so needs neither.