Sort out settings.load with SD EEPROM emulation (#14458)

Marlin/src/Marlin.cpp

@@ -941,7 +941,9 @@ void setup() {
 
   // Load data from EEPROM if available (or use defaults)
   // This also updates variables in the planner, elsewhere
-  (void)settings.load();
+  #if DISABLED(SD_EEPROM_EMULATION)
+    (void)settings.load();
+  #endif
 
   #if HAS_M206_COMMAND
     // Initialize current position based on home_offset
@@ -1094,8 +1096,17 @@ void setup() {
     init_closedloop();
   #endif
 
-  #if ENABLED(INIT_SDCARD_ON_BOOT) && !HAS_SPI_LCD
-    card.beginautostart();
+  #if !HAS_SPI_LCD
+
+    #if ENABLED(SD_EEPROM_EMULATION)
+      SERIAL_ECHOLNPGM("Loading settings from SD");
+      (void)settings.load();
+    #endif
+
+    #if ENABLED(INIT_SDCARD_ON_BOOT)
+      card.beginautostart();
+    #endif
+
   #endif
 
   #if HAS_TRINAMIC && DISABLED(PS_DEFAULT_OFF)