I have this pet-peeve with TODO comments.  I feel like they are either better expressed as full sentences or as issues in an issue tracker.

"It would be great it we were to auto-create the schema, but it is not implemented yet because [it's hard | I'm lazy | don't have time | ninja pirates are attacking]."

I tend to use "TODOs" as reminders that I need to go back and an area while doing refactorings of the code base.  Having a bunch of TODOs makes it harder to sift through that.