- W1: Add ntfy_has_token property to Settings model for safe from_attributes usage
- W2: Eager-load event location and pass location_name to ntfy template builder
- W3: Add missing accent color swatches (red, pink, yellow) to match backend Literal
- W7: Cap IP rate-limit dict at 10k entries with stale-entry purge to prevent OOM
- W9: Include user_id in SettingsResponse for multi-user readiness
Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>