How do we handle settings

[seancdavis]

Per #70, I started talking about working with Rails secrets. I do like that idea, but I also know they aren't (or didn't use to be) available early in the initialization process, which I find critical so we can configure services with keys, tokens, passwords, etc.

Keeping this issue so we implement settings in a way that surfaces the values before reading files in config/initializers are read.