diff --git a/src/config/mod.rs b/src/config/mod.rs
index 805099f6955..e30e1a856f1 100644
--- a/src/config/mod.rs
+++ b/src/config/mod.rs
@@ -126,6 +126,7 @@ impl Config {
             Duration::from_secs(5),
         )
         .await?;
+        Settings::reload();
         Config::load().await
     }
 
@@ -3248,6 +3249,18 @@ mod tests {
         assert_debug_snapshot!(config);
     }
 
+    #[tokio::test]
+    async fn test_reset_reloads_settings() {
+        Settings::reset(None);
+        let before = Settings::get();
+
+        Config::reset().await.unwrap();
+        let after = Settings::get();
+
+        assert!(!Arc::ptr_eq(&before, &after));
+        Settings::reset(None);
+    }
+
     #[test]
     fn test_config_set_contains_matches_symlinked_prefix() {
         // Regression for https://github.com/jdx/mise/discussions/10483:
diff --git a/src/config/settings.rs b/src/config/settings.rs
index d80d83b58f9..241208ad86e 100644
--- a/src/config/settings.rs
+++ b/src/config/settings.rs
@@ -1,5 +1,4 @@
 use crate::cli::Cli;
-use crate::config::ALL_TOML_CONFIG_FILES;
 use crate::duration;
 use crate::file::FindUp;
 use crate::platform::Platform;
@@ -24,6 +23,8 @@ use std::{
     collections::{BTreeSet, HashSet},
     sync::atomic::{AtomicBool, Ordering},
 };
+
+use super::{TOML_CONFIG_FILENAMES, load_config_paths};
 use url::Url;
 
 // settings are generated from settings.toml in the project root
@@ -762,9 +763,9 @@ impl Settings {
     }
 
     fn all_settings_files() -> Vec<SettingsPartial> {
-        ALL_TOML_CONFIG_FILES
-            .iter()
-            .map(|p| Self::parse_settings_file(p))
+        load_config_paths(&TOML_CONFIG_FILENAMES, false)
+            .into_iter()
+            .map(|p| Self::parse_settings_file(&p))
             .filter_map(|cfg| match cfg {
                 Ok(cfg) => Some(cfg),
                 Err(e) => {
@@ -798,6 +799,12 @@ impl Settings {
         crate::config::config_file::config_root::reset();
     }
 
+    /// Invalidate settings loaded from config files without discarding CLI overrides.
+    pub fn reload() {
+        *BASE_SETTINGS.write().unwrap() = None;
+        crate::config::config_file::config_root::reset();
+    }
+
     /// Merge an override into the CLI-level settings partial.
     ///
     /// `reset` replaces CLI_SETTINGS wholesale, which would clobber overrides
@@ -1614,6 +1621,18 @@ mod tests {
         Settings::reset(None);
     }
 
+    #[test]
+    fn test_reload_preserves_cli_settings() {
+        let mut partial = SettingsPartial::empty();
+        partial.offline = Some(true);
+        Settings::reset(Some(partial));
+        assert!(Settings::get().offline());
+
+        Settings::reload();
+        assert!(Settings::get().offline());
+        Settings::reset(None);
+    }
+
     #[test]
     fn test_offline_implies_prefer_offline() {
         let mut partial = SettingsPartial::empty();