Out of repo settings

[cyisfor]

So we don't accidenally put passwords under revision control.

[jfmcbrayer]

Hi, thank you for all of your help. I'm currently -1 on this patch, though I like the idea. I feel like using XDG directories is too focused on the use case of an individual running it as a client on their personal computer, rather than for people running public servers. I think the most Django-ish way of doing it would be to look for a file like 'local_settings.py' in the same folder as settings.py.

[lvm]

I'm just a regular user so my opinion doesn't matter that much on this topic... but agree with @jfmcbrayer. Something closer to https://12factor.net/config is much more preferable than storing settings on XDG Directories.