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`ManifestIndex.load_for_agent` was a ~100-line method branching across the eager (from_json_obj) and lazy (from disk) resolution modes, with the git-user merge tail duplicated in both branches. Split into `_load_for_agent_eager` / `_load_for_agent_lazy` behind a small dispatcher and extract the shared tail into `_manifest_with_merged_git_user`. No behavior change. Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com> Claude-Session: https://claude.ai/code/session_01NkwFXLFff9PYPy4wgVBJp9