docs: implementation plan for optional pluggable 2FA
8 TDD tasks covering the approved spec: pluggable factor semantics, optional onboarding, recovery-codes modal, factor-adaptive login challenge, independent TOTP/key management in Settings, key-only-safe forgot-password, plus the R12 + Codex + release sweep. Co-Authored-By: Claude Opus 4.8 (1M context) <noreply@anthropic.com>feat/v1-foundation
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