Document optional API key environment behavior

docs/consumers/pkg-promptkit.md

@@ -231,7 +231,7 @@ if err != nil {
 
 target := inspection.EffectiveModelParams
 if target.APIKeyEnv != "" {
-	// Apply application policy for the named environment variable.
+	// This is a configured optional environment lookup source.
 } else if inspection.APIKeyRequired {
 	// Arrange a direct credential before later execution.
 }
@@ -240,9 +240,11 @@ if target.APIKeyEnv != "" {
 Use this configuration-time boundary when only the profile and its target need
 checking. Use `Prepare` when the application also needs prompt, input, schema,
 or rendering work; use prepared execution when that work must remain tied to a
-later execution. Inspection reports credential requirements but leaves the
-timing of credential enforcement to the application. The method's
-[GoDoc](../../engine.go) owns its exact result and error contract.
+later execution. A reported `APIKeyEnv` is a configured optional source, while
+`APIKeyRequired` is the explicit local requirement. The
+[credential format reference](../formats.md#credentials) and the method's
+[GoDoc](../../engine.go) own the exact precedence, timing, result, and error
+contracts.
 
 ### Set A Per-Run Session And Reasoning