fix: ease onboarding with startup warnings and doc corrections

- Warn at startup when quest files are missing (clients crash without
  them) and point users to the download link
- Fix Host config description: it's the advertised IP, not a bind
  address — 0.0.0.0 was wrong advice
- Load bundled schemas (shops, events, gacha) in Docker init so new
  users get working demo data out of the box
- Renumber duplicate patch schema 28 → 32 to resolve numbering
  collision
- Fix patch schema example filename to use hyphens matching actual
  files

docker/init/setup.sh

@@ -14,6 +14,14 @@ done
 
 echo "Patching!"
 for file in /schemas/patch-schema/*; do
+  [ -f "$file" ] || continue
+  echo "  Applying $file"
+  psql -v ON_ERROR_STOP=1 --username "$POSTGRES_USER" --dbname "$POSTGRES_DB" -1 -f "$file"
+done
+
+echo "Loading bundled data (shops, events, gacha)..."
+for file in /schemas/bundled-schema/*; do
+  [ -f "$file" ] || continue
   echo "  Applying $file"
   psql -v ON_ERROR_STOP=1 --username "$POSTGRES_USER" --dbname "$POSTGRES_DB" -1 -f "$file"
 done