Adjusted starting speech rate for new users. Fixed error that could happen when figuring out where to write changes.

docs/user.txt

@@ -272,10 +272,11 @@ options. Fenrir loads one settings file rather than merging files.
 - Root: /etc/fenrirscreenreader/settings/settings.toml.
 - --config PATH: use that file explicitly.
 
-If default files are absent, Fenrir uses built-in defaults. An
-explicitly selected file must exist. Saving targets the selected file;
-if startup used built-in defaults, saving creates the first default path
-for that account.
+If default files are absent, Fenrir uses built-in defaults. Python
+settings.conf files are ignored. Regular users save to their personal TOML
+file, including when startup loaded system defaults; root saves to the system
+file. --config PATH explicitly selects both the load and save path, and that
+file must exist at startup.
 
 Create a personal settings file and validate it without opening devices: