Function effective_mcp_families 

pub(crate) fn effective_mcp_families(
    stored: Option<&[String]>,
    systemone_available: bool,
    voice_available: bool,
    vault_available: bool,
) -> BTreeSet<McpFamily>

The effective set: the stored selection resolved, then narrowed by what this forge’s config can actually inject - the same gates the build applies, so the prompt’s withheld lines cannot drift from the tools the session really gets. [systemone] and [tts] off are the config gates that remove a family outright.