### Closes #51951

## Self-Review Checklist

- [x] I've reviewed my own diff for quality, security, and reliability
- [x] Unsafe blocks (if any) have justifying comments
- [x] The content is consistent with the UI/UX checklist
- [x] Tests cover the new/changed behavior
- [x] Performance impact has been considered and is acceptable

#### Note : Reopens previous work from closed PR
https://github.com/zed-industries/zed/pull/52161 (fork was deleted)

## Video 

[Screencast from 2026-03-22
23-26-06.webm](https://github.com/user-attachments/assets/ab68e47a-7e74-4f1e-991d-8ca4fed7952c)


## Release Notes:

- Fixed MCP servers from `.zed/settings.json` not being discovered when
multiple project folders are open in a workspace.

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Co-authored-by: Bennet Bo Fenner <bennetbo@gmx.de>
Co-authored-by: Christopher Biscardi <chris@christopherbiscardi.com>
Co-authored-by: Bennet Bo Fenner <bennet@zed.dev>