Fix RAG indexing env loading

[askmy-stack]

Background

Identified during OSS audit v2 of meridian.

Problem Statement

RAG env bugs.

Proposed Solution

Fix env var loading.

Acceptance Criteria

• Implementation complete
• Tests pass
• Documented in README or docs/

Files / Modules Affected

src/rag/indexing.py

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Suggested labels: priority:high, difficulty:intermediate, category:bug
Milestone: v2.0-features
OSS Audit: Master Backlog v2