Organization-level managed settings fetch blocks startup for 5-10 seconds

Problem

Startup is blocked by a synchronous fetch of managed/organization-level settings from Anthropic's servers. For users in Europe, this adds 5-10 seconds to every new session start.

The settings payload is minimal (~50 bytes):

{
  "disableBypassPermissionsMode": "disable",
  "strictKnownMarketplaces": [
    {
      "repo": "anthropics/claude-plugins-official",
      "source": "github"
    }
  ]
}

Expected behavior

Use cached settings immediately on startup, then refresh in the background. The blocking fetch should only happen on the very first run when no cache exists.

Current behavior

Every new session blocks until the network fetch completes, regardless of whether cached settings exist. This makes the organization settings feature impractical for teams that value fast iteration — the security benefit doesn't justify a 5-10s tax on every session.

Environment

• Region: Europe (high latency to Anthropic's US servers)
• macOS
• Claude Code latest

Suggested fix

1. On startup, load cached settings immediately (if available)
2. Fetch fresh settings in the background
3. Apply updated settings if they differ from the cache
4. Only block on the first-ever fetch when no cache exists