Fix get_journal() path creation and complete normalization
- Fix get_journal() to create user-specified JOURNAL_PATH if it doesn't exist
(previously silently fell back to platform default for non-existent paths)
- Update 12 files to use get_journal() instead of os.getenv("JOURNAL_PATH")
- Remove stale docstrings about RuntimeError for missing JOURNAL_PATH
- Remove dead except RuntimeError handlers that could never be reached
- Remove redundant load_dotenv() calls and unused imports
- Update docs/INSTALL.md to document auto-default journal path behavior
- Fix test that monkeypatched removed load_dotenv
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Co-Authored-By: Claude Opus 4.5 <noreply@anthropic.com>