'!Failed to load N skills' error even though all skills are disabled.

### Describe the bug

I have disabled all skills. When I open a new copilot session from Windows Terminal, I see '!Failed to load N skills' error even though all skills are disabled.

### Affected version

GitHub Copilot CLI v1.0.67

### Steps to reproduce the behavior

1. Type copilot in Windows Terminal
2. Press Enter
3. Disable all skills
4. Exit copilot
5. Type copilot
6. Press Enter
7. View error message

### Expected behavior

Zero error messages appear when starting a copilot session from Windows Terminal with all skills disabled.

### Additional context

_No response_

Start by reproducing the issue from the copilot entry point in Windows Terminal: disable all skills, exit, and start a new session. Trace the startup handling for the '!Failed to load N skills' message and verify that restarting with every skill disabled produces no error messages.

Written by the indexing model from the issue text.