includeCoAuthoredByDroid: false is ignored; Droid still adds the co-author trailer to commits #86

What happened

I set "includeCoAuthoredByDroid": false in ~/.config/factory/settings.json and restarted Droid. The model's session instructions still tell it to add Co-authored-by: factory-droid[bot] <138933559+factory-droid[bot]@users.noreply.github.com> to every commit message, so it refuses to make commits without the trailer.

Expected

With the setting false, Droid commits have no co-author trailer, as the settings docs describe.

Steps to reproduce

1. Add "includeCoAuthoredByDroid": false to ~/.config/factory/settings.json.
2. Restart Droid (Factory desktop app) and start a session.
3. Ask Droid to make a commit without the co-author trailer. It says its instructions require the trailer.

Environment

• macOS (darwin 27.2.0)
• Factory desktop app
• Droid version: 1.0.0

Impact

Happens every time. I have to amend each commit by hand to remove the trailer.