A setting that was always locked then unlocked showed the app's hardcoded
default instead of the plugin's configured default: the unlocked branch
treated the persisted app default as a meaningful user value, so the plugin
value was effectively dead code for any key with a non-empty app default.
Keep the user's value only when it diverges from the app default; otherwise
the plugin (admin) default wins over the hardcoded app default. Shared via
useSettings, so mobile and TV are both fixed.
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