docs(state): add TODO for default config/server schema mismatch

docs/plans/state.json

@@ -1,6 +1,6 @@
 {
   "version": "1.0",
-  "updated_at": "2026-02-15",
+  "updated_at": "2026-02-16",
   "description": "Tracks the status of all Flynn plans and implementation phases",
 
   "plans": {
@@ -29,6 +29,11 @@
       "date": "2026-02-15",
       "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",
+      "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."
+    },
     "openclaw-gap-roadmap": {
       "file": "2026-02-15-openclaw-gap-roadmap.md",
       "status": "planned",