The default value of programs.password-store.settings changed in 25.11
when Home Manager stopped exporting PASSWORD_STORE_DIR implicitly.
Route the default through the shared state-version helper so users on
older state versions keep the compatibility behavior with a consistent
warning and a single place to remove later.
The existing password-store tests already cover the legacy default, the
current empty default, and explicit override behavior, so no new test
fixture is needed for this migration.
Signed-off-by: Austin Horstman <khaneliman12@gmail.com>
a49e2f1b5b