docs: Add model loading architecture analysis and refactor recommendations
- MODEL_LOADING_ANALYSIS.md: Comprehensive technical analysis of current system
- Adoption rates, factory patterns, device management, caching strategies
- 8 critical issues identified with severity levels
- File impact analysis
- MODEL_LOADING_REFACTOR_REPORT.md: Executive summary with actionable recommendations
- Tier 1 (quick wins): auto device caching, device comparison, resolution consolidation
- Tier 2 (medium effort): cache unification, key collision fix, error standardization
- Tier 3 (major refactor): factory signatures, capability registry, fallback handlers
- Priority matrix and implementation timeline
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