MEMORY.md loaded twice: auto-memory and claudeMd loaders both inject same file

Bug

MEMORY.md in ~/.claude/projects/<hash>/memory/ is injected into the system prompt twice per session by two independent loading mechanisms:

1. Auto-memory loader — injects it into a dedicated "auto memory" section near the top of the system prompt
2. claudeMd / project-instructions loader — picks it up again as "user's private global instructions for all projects" inside the claudeMd block

Both resolve to the same physical file. The result is ~duplicate tokens wasted every API round-trip.

Reproduction

1. Put content in ~/.claude/projects/<hash>/memory/MEMORY.md
2. Start a conversation
3. Observe the system prompt contains the MEMORY.md content twice — once in the auto-memory section and once in the claudeMd section

Expected behaviour

The file should be loaded once. Either the auto-memory loader should skip files already claimed by claudeMd, or vice versa.

Workaround

None that preserves both features. Moving content to CLAUDE.md and emptying MEMORY.md works but conflates project instructions with session memory.

Impact

~3KB of duplicated tokens per API call. On a 20-turn conversation, that's ~60K tokens of pure waste — meaningful on usage-capped plans (Max20).