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docs(config): clarify skeleton and template directory behavior #28942

Job	Run time
changes	8s
php8.5-s3-multibucket-minio	10m 13s
php8.5-s3-minio	11m 37s
php8.3-s3-multibucket-minio	10m 8s
php8.3-s3-minio	8m 53s
object-store-primary-summary	8s
	41m 7s