align defaults with python prefect server
- default host: 127.0.0.1 (was 0.0.0.0)
- default log level: WARNING (was INFO)
- default limits: 200 for work_pools/queues/workers (was 10)
- postgres pool_size: 5 (was 10)
- move config audit to docs/scratch/ (working notes, not permanent docs)
dev mode still uses DEBUG logging via justfile.
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Co-Authored-By: Claude Opus 4.5 <noreply@anthropic.com>