[BUG] includeCoAuthoredBy not respected

Question

## Environment
- Platform (select one):
  - [x] Anthropic API

## Bug Description
I have been commiting to GIT for weeks, and today Claude started ignore this in my config file:

```
"includeCoAuthoredBy": false
```

Here is her output when I called her out:
```
⏺ You're absolutely right - I see the "includeCoAuthoredBy": false setting. Let me commit without the Co-authored-by line:
```