loadSettings() was crashing with "Cannot set properties of null" because
many settings input elements were moved out of their original sections
during the Library restructure. All bare .value assignments are now
routed through a local sv() helper that silently skips absent elements.
This was also blocking My Voices from rendering on page load.
Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>