Stay logged in modal displayed with `autoRefresh: true` configuration

[ZvonimirBusic]

Describe the Bug

When autoRefresh: true admin config is used "Stay logged in" modal is displayed instead of cookie being refreshed.

fix PR: #14612

Link to the code that reproduces this issue

https://github.com/ZvonimirBusic/payload-auto-refresh-reproduction

Reproduction Steps

This repository contains configuration that is used to reproduce issue.
Configuration is set up with admin -> autoRefresh: true and 30 second token tokenExpiration in Users collection.

1. Create a new admin user and log in.
2. Wait 30 seconds for Stay logged in modal to show and user logout after some time.

Which area(s) are affected? (Select all that apply)

Not sure, area: core

Environment Info

Binaries:
  Node: 24.2.0
  npm: 11.3.0
  Yarn: N/A
  pnpm: 9.15.4
Relevant Packages:
  payload: 3.64.0
  next: 15.4.7
  @payloadcms/db-mongodb: 3.64.0
  @payloadcms/graphql: 3.64.0
  @payloadcms/next/utilities: 3.64.0
  @payloadcms/richtext-lexical: 3.64.0
  @payloadcms/translations: 3.64.0
  @payloadcms/ui/shared: 3.64.0
  react: 19.1.0
  react-dom: 19.1.0
Operating System:
  Platform: darwin
  Arch: arm64
  Version: Darwin Kernel Version 25.1.0: Mon Oct 20 19:32:41 PDT 2025; root:xnu-12377.41.6~2/RELEASE_ARM64_T6000
  Available memory (MB): 16384
  Available CPU cores: 10

[github-actions]

🚀 This is included in version v3.65.0