I'm only being pedantic. Toml is not bad. Yaml I personally don't like because I don't approve of semantically required whitespace but I know I'm in the minority there.

• It's not the norm in smaller companies, but big companies can use config servers where an app will retrieve its config on startup over the network. To be fair, I think they fall back to a platform specific encoding though.
• Better hope it's built in. I don't remember the last time I verified a Content-Length was accurate. Also this generally applies to networking; disk writes don't get this same verification especially if a process is killed mid-write.
• True point, no real notes. I've recently been dealing with streaming JSON for AI, it's SOO verbose for the few tokens that come across in each message. I don't know how gRPC wasn't chosen, or at least made an option, but oh well.

You make good, valid points and I know I'm talking about edge cases that require the stars to align to break. It reminds me of an old, not-quite-relevant-but-oh-well saying "a 'one in a million' chance at 1GHz happens every millisecond." The law of large numbers isn't always on our side.