default ini to all option values commented out except those marked otherwise.

This PR represents a change to writing out ini files.

1) opinion has been that the comments about why something is commented out, or suggestions as to the use of include files is clutter that detracts rather than helps.  This PR drastically reduces the amount of comments in the ini file.

2) all values are now by default commented out.  The apps should be able to run with defaults.  Editing the ini file is only for special cases.

3) introduction of ```likely_to_be_changed``` keyword in the Option constructor.  This indicates that the Option is volatile and is very likely to be edited in the ini file:  passwords, host names, etc.   Options with this tag will not be commented out by default when writing the ini file.