docs: add TODO.md backlog and link from docs index #140

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ssmithx wants to merge 2 commits from docs/todo-list into main
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@@ -35,6 +35,16 @@ doc. See [`ROADMAP.md`](ROADMAP.md) for the curated, public-facing direction.
## App ecosystem
- Full pass testing every app in the catalog; expect issues across the board.
- App update strategy — finalize the update policy referenced in
[`app-developer-guide.md`](app-developer-guide.md) (pinned vs. mutable
tags, catalog-vs-disk precedence, rollout/rollback).
- App wishlist — candidates not yet packaged: Cashu wallet, phoenixd.
(CLN is already shipped as `apps/core-lightning`.)
## Access & security
- SSH access strategy — define the access model (keys, rotation, recovery
path, remote-support access).
## Observability