refactor: migrate to native module system, replace ragenix with sops-nix, expand server stack
- Move all configuration defaults to `modules/options.nix`
- Remove custom `cfgLib` abstraction; use `config.myConfig.*` / `osConfig.myConfig.*`
- Update README and docs to reflect new architecture and workflows
- Replace ragenix with sops-nix (age via host SSH key, .sops.yaml rules)
- Add server modules: matrix, forgejo, cloudflare-tunnel, cockpit
- Expand Caddy routing for PDS, Matrix, and Forgejo
- Declare static cloudflared user/group for sops-nix compatibility
- Simplify repo structure (remove settings/config, streamline home/)
- Update documentation references and maintenance instructions
BREAKING CHANGE: configuration is no longer imported via `settings/config/` or `cfgLib`; all options now live in `modules/options.nix` and are accessed through the standard NixOS module system.