This isn't really about encapsulation vs. decoupling.
Encapsulation is about information hiding--keeping the details hidden,
decoupling is about separating a function into smaller pieces, generally for ease of reuse.
What you are talking about is configuration information that can be separated into two places.
This might, or might not be a good thing. It could be good if you, as the administrator want to
have sole control over the server operational parameters, but want to give someone else,
say a data administrator, the ability to update the welcome message without having to bother you.
This is a nice ability to have. Having multiple files comprise the configuration of the server
is not necessarily good or bad. It depends on how you want to manage the service.
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