docs: clarify plugin loading and config behavior - #21416

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The language about what happens when both opencode.jsonc and opencode.json (or tui.jsonc and tui.jsonc) are present is a little unclear. You probably ought explicitly point out that these two configs are merged. Mentioning simply that "the jsonc file wins" might suggest that the jsonc file was not respected at all, which is not the case.

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