Make Settings default tab for Options

This is definitely going to happen.  In fact, the "Options" tab is going to get renamed to "Settings" and most of the items under permissions will be handled elsewhere.  This will happen when we setting-ize permissions, which will move all the permissions handling to settings; that development is under way and is due to be released with Wagn 1.7.

The "settings" functionality is much newer than the permissions and we've been gradually increasing its scope and significance and improving interface.

The biggest remaining challenge will be the account-related stuff in the permissions tab (eg, on the user card the info re email, passwords, roles, etc.), but we'll work that out :)