A not_saved from the ladder's undecided step is not final before a record
exists: the recorded saver may still resolve another branch. The settle
lookup now keeps such a file waiting; with the record it stores nothing and
logs the opted-out line. An early not_saved (a switched-off node upstream of
any sampler's positive) never reaches the lookup and stays final.
Tests: the undecided case (literal and wired switch) waits, then skips; a
switched-off node feeding one branch of a shared-prefix run never waits and
stores nothing, not even the branch the recorded saver names.