I think .org also needs to be included by default here. .org is one of the original TLDs, and still used a lot today. We even use it! www.discourse.org is no longer linked.
If we want to limit it to 3, I’d much rather see .org than .gov.
I’d rather not have every foo.thing auto-linked. Mistyping ‘. Foo’ as ‘.Foo’ is such an easy one to make. It would be terrible to have a conversation flow distracted by too many links.
If people want links, they should learn how to do it properly. Hyperlinking is an essential part of Internet technologies, and I certainly don’t want to encourage people ignoring it. See EU Copyright reform Article 11 (to criminalize hyperlinks). Instead, Internet users should become aware of why such things get hyperlinked, and what it entails. Having com|gov|net|org is fine (although I wonder why gov and not mil since they are of same generation, and US-specific – I’d say remove the gov ) but managing the growing ICANN TLD mess should be avoided IMO, or part of a plugin.
I personally don’t see why whitelist anything really, it is just so rare for people to type in domains, just like that, vs copying a link. Also discourse.org loses on https now which is not great, cause now my link is slower.