docs(01-04): complete onboarding wizard and visual verification plan

- Phase 1 (Foundation and Collection) fully complete: 4/4 plans done
- Onboarding wizard with settings API and human-verified collection experience

Co-Authored-By: Claude Opus 4.6 (1M context) <noreply@anthropic.com>

.planning/STATE.md

@@ -3,15 +3,15 @@ gsd_state_version: 1.0
 milestone: v1.0
 milestone_name: milestone
 status: executing
-stopped_at: Completed 01-03-PLAN.md
-last_updated: "2026-03-14T21:47:22.070Z"
-last_activity: 2026-03-14 — Completed 01-03 frontend collection UI plan
+stopped_at: Completed 01-04-PLAN.md
+last_updated: "2026-03-14T21:53:31.851Z"
+last_activity: 2026-03-14 — Completed 01-04 onboarding wizard and Phase 1
 progress:
   total_phases: 3
-  completed_phases: 0
+  completed_phases: 1
   total_plans: 4
-  completed_plans: 3
-  percent: 75
+  completed_plans: 4
+  percent: 100
 ---
 
 # Project State
@@ -26,11 +26,11 @@ See: .planning/PROJECT.md (updated 2026-03-14)
 ## Current Position
 
 Phase: 1 of 3 (Foundation and Collection)
-Plan: 3 of 4 in current phase (complete)
-Status: Executing phase 1
-Last activity: 2026-03-14 — Completed 01-03 frontend collection UI plan
+Plan: 4 of 4 in current phase (complete)
+Status: Phase 1 complete
+Last activity: 2026-03-14 — Completed 01-04 onboarding wizard and visual verification
 
-Progress: [████████░░] 75%
+Progress: [██████████] 100%
 
 ## Performance Metrics
 
@@ -52,6 +52,7 @@ Progress: [████████░░] 75%
 *Updated after each plan completion*
 | Phase 01 P02 | 3min | 2 tasks | 13 files |
 | Phase 01 P03 | 3min | 2 tasks | 16 files |
+| Phase 01 P04 | 3min | 2 tasks | 5 files |
 
 ## Accumulated Context
 
@@ -68,6 +69,8 @@ Recent decisions affecting current work:
 - [Phase 01-02]: Routes use Hono context variables for DB injection enabling in-memory SQLite integration tests
 - [Phase 01-03]: ItemForm converts dollar input to cents for API (display dollars, store cents)
 - [Phase 01-03]: CategoryPicker uses native ARIA combobox pattern with keyboard navigation
+- [Phase 01-04]: Onboarding state persisted in SQLite settings table, not Zustand (source of truth in DB)
+- [Phase 01-04]: Settings API is generic key-value store usable beyond onboarding
 
 ### Pending Todos
 
@@ -80,6 +83,6 @@ None yet.
 
 ## Session Continuity
 
-Last session: 2026-03-14T21:47:22Z
-Stopped at: Completed 01-03-PLAN.md
+Last session: 2026-03-14T21:53:31.849Z
+Stopped at: Completed 01-04-PLAN.md
 Resume file: None