Spring Cloud Config 🐞Bug: Cannot resolve URI for path: ... using native profile

Title:

IllegalArgumentException: URI is not hierarchical when using file:./config.d with Spring Cloud Config Server (4.3.0)

Body:

Hello,

I'm not sure if this is a bug — please let me know if it's expected behavior 😁

I'm using org.springframework.cloud:spring-cloud-config-monitor:4.3.0 together with org.springframework.cloud:spring-cloud-config-server:4.3.0 and a simple configuration:

spring:
  application:
    name: '@project.name@'
  profiles:
    active: native
  cloud:
    config:
      server:
        native:
          search-locations: file:./config.d
          default-label: main

When I start my Config Server application, it prints the following error log:

2025-08-08T17:53:20.682Z ERROR 64472 --- [config-center] [           main] o.s.c.c.m.FileMonitorConfiguration       : Cannot resolve URI for path: file:./config.d/

It fails with:

java.lang.IllegalArgumentException: URI is not hierarchical

Expected behavior: The application should start and monitor the local configuration directory without throwing an error.

Environment:

1. Spring Cloud Config Server: 4.3.0
2. Spring Cloud Config Monitor: 4.3.0
3. Profile: native

10x! 🚀