diff --git a/scripts/check-worktree.py b/scripts/check-worktree.py
index c682e712..a9503cc4 100644
--- a/scripts/check-worktree.py
+++ b/scripts/check-worktree.py
@@ -107,16 +107,19 @@ def local_work_outside(child, expected):
     """2026-10-05 修复：pinned-history 检查此前用 --all --reflog，把 refs/remotes 也
     计入——pin 在 feature 顶端的子仓因 origin/main 不在 pin 历史内而永远无法 finish
     （实测被迫删远端引用+清 reflog 绕过，损害现场）。只认「本地独有」工作：
-    本地分支、stash、以及 HEAD 的 reflog（最近检出轨迹里的独有提交）；
-    refs/remotes 一律不算——远端有副本即已保全。"""
-    if git(child, "rev-list", "--branches", "--not", expected).strip():
-        return True
-    if git(child, "stash", "list").strip():
-        return True
+    不在任何远端跟踪引用历史内的提交才算。克隆默认分支停在 origin/main 顶端、
+    reflog 里的检出轨迹等「远端有副本」的状态一律不算；stash 恒为本地独有。"""
+    candidates = git(child, "rev-list", "--branches", "--not", expected).split()
     for line in git(child, "reflog", "show", "HEAD", "--format=%H").splitlines():
         tip = line.strip()
-        if tip and git(child, "rev-list", "-1", tip, "--not", expected).strip():
+        if tip:
+            candidates.append(tip)
+    for tip in dict.fromkeys(candidates):  # 去重保序
+        # 远端任一引用可达 ⇒ 已保全，不算本地独有
+        if git(child, "rev-list", "-1", tip, "--not", "--remotes").strip():
             return True
+    if git(child, "stash", "list").strip():
+        return True
     return False
 
 
diff --git a/tests/test_task.py b/tests/test_task.py
index b972a0e3..e6947d14 100644
--- a/tests/test_task.py
+++ b/tests/test_task.py
@@ -758,6 +758,23 @@ class FinishGuardFixTests(unittest.TestCase):
         self.assertEqual(result.returncode, 0, result.stdout + result.stderr)
         self.assertFalse(wt.exists())
 
+
+    def test_local_default_branch_at_origin_main_does_not_block(self):
+        """克隆默认分支停在 origin/main 顶端（pin 为 feature 顶端时不在其历史内）
+        且 HEAD reflog 含克隆/检出轨迹——均为远端有副本的状态，不得阻断 finish。"""
+        self.add_submodule_pinned_off_main()
+        wt = self.worktree()
+        self.git(wt, "submodule", "update", "--init", "--recursive")
+        (self.repo / "tracked").write_text("implementation done\n")
+        self.git(self.repo, "add", "-A")
+        self.git(self.repo, "commit", "-q", "-m", "done")
+        self.git(self.repo, "push", "-q", "origin", "feature/guard")
+        self.git(self.repo, "merge", "--no-ff", "-q", "-m", "Merge feature/guard", "feature/guard")
+        self.git(self.repo, "push", "-q", "origin", "main")
+        result = self.task(wt, "finish", check=False)
+        self.assertEqual(result.returncode, 0, result.stdout + result.stderr)
+        self.assertFalse(wt.exists())
+
     def test_local_unique_commit_still_preserved(self):
         self.add_submodule_pinned_off_main()
         wt = self.worktree()