[Bug] Disabling a dictionary from the user settings should not result in the default CSpell config overriding that setting

For example, if I disable the `cryptocurrencies` dictionary in my user settings it should not remain enabled, as seen in the following screenshot: <img width="1206" height="528" alt="Image" src="https://github.com/user-attachments/assets/23caf899-fd38-47b1-b1a2-83c603f70efd" /> For some reason, and I am assuming this is the case mind, the default configuration provided by [`@cspell/cspell-bundled-dicts`](https://www.npmjs.com/package/@cspell/cspell-bundled-dicts) appears to be overriding the settings set in my user settings. I figure this is the case because nowhere do I enable this dictionary but it's still enabled. The only other place it seems to be configured is in that package. <img width="766" height="789" alt="Image" src="https://github.com/user-attachments/assets/1bbb7de5-6dd1-4ef4-b839-2e5e14ee1e19" /> This happens via the `mergeSettings` call over in [`DefaultSettingsLoader`](https://github.com/streetsidesoftware/cspell/blob/main/packages/cspell-lib/src/lib/Settings/DefaultSettings.ts#L156) which loads its settings from that package via the default configuration reference in [`constants.js`](https://github.com/streetsidesoftware/cspell/blob/main/packages/cspell-lib/src/lib/Settings/constants.ts#L5). Please fix so that user-disabled dictionaries are respected. P.S. Thank you for the ongoing amazing work you do on this CLI tool, library, and extension! Edit: Screenshots failed to upload the first time. Doh!