fix(config): align default.yaml with server schema

docs/plans/state.json

@@ -30,10 +30,19 @@
       "summary": "Docs fix: clarified the Tailscale auth note in docs/api/PROTOCOL.md to reference server.tailscale_identity."
     },
     "todo-config-default-server-schema-mismatch": {
-      "status": "planned",
+      "status": "completed",
       "date": "2026-02-16",
-      "summary": "TODO: reconcile config/default.yaml with src/config/schema.ts (config uses server.tailscale_only but schema defines server.tailscale.*). Update docs snippets (if any) and add a test/doctor check to prevent future drift."
+      "updated": "2026-02-16",
+      "summary": "Reconciled config/default.yaml with src/config/schema.ts by replacing deprecated server.tailscale_only with server.tailscale.*. Added a doctor warning for deprecated keys and a regression test to prevent future drift.",
+      "files_modified": [
+        "config/default.yaml",
+        "src/cli/doctor.ts",
+        "src/cli/doctor.test.ts",
+        "src/config/defaultYaml.test.ts"
+      ],
+      "test_status": "pnpm test:run + pnpm typecheck passing"
     },
+
     "openclaw-gap-roadmap": {
       "file": "2026-02-15-openclaw-gap-roadmap.md",
       "status": "planned",
@@ -2123,7 +2132,7 @@
   },
 
   "overall_progress": {
-    "total_test_count": 1689,
+    "total_test_count": 1692,
     "all_tests_passing": true,
     "p0_completion": "3/3 (100%)",
     "p1_completion": "4/4 (100%)",