Persistent, commented settings file, even after settings change!

- Settings template file, so that changing settings does not destroy the commented wavebox.conf
- Settings hardening
- ToCSV() method for lists
- Exception handling everywhere!

Basically, this will write the user's settings into the wavebox.conf.template file, then save that file on each settings write.  This allows us to preserve a well-formatted and well-documented settings file, even when settings are changed on the fly.