feat: add USER.md and TOOLS.md to bootstrap framework

Introduce user profile (USER.md) and machine tool reference (TOOLS.md)
as first-class framework files. Both ship as generic defaults and are
personalized via mosaic init.

- Add USER.md/TOOLS.md defaults and parameterized templates
- Update AGENTS.md load order (6 → 8 steps)
- Update SOUL.md: default name "Assistant", add trash/mental-notes guardrails
- Update install.sh: preserve USER.md/TOOLS.md on reinstall
- Update mosaic-init: interactive USER.md + TOOLS.md generation
- Update mosaic-doctor: existence checks for new files
- Update mosaic launcher: inject USER.md/TOOLS.md into runtime prompt
- Update README: architecture diagram, generic-repo policy note

Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>

README.md

@@ -4,6 +4,8 @@ Universal agent standards layer for Claude Code, Codex, and OpenCode.
 
 One config, every runtime, same standards.
 
+> **This repository is a generic framework baseline.** No personal data, credentials, user-specific preferences, or machine-specific paths should be committed. All personalization happens at install time via `mosaic init` or by editing files in `~/.config/mosaic/` after installation.
+
 ## Quick Install
 
 ### Mac / Linux
@@ -42,7 +44,10 @@ After install, open a new terminal (or `source ~/.bashrc`) and run:
 mosaic init
 ```
 
-This generates `~/.config/mosaic/SOUL.md` — your agent identity contract. It's loaded into every session regardless of runtime.
+This generates three files loaded into every agent session:
+- `SOUL.md` — agent identity contract (name, style, guardrails)
+- `USER.md` — your user profile (name, timezone, accessibility, preferences)
+- `TOOLS.md` — machine-level tool reference (git providers, credentials, CLI patterns)
 
 ## Launching Agent Sessions
 
@@ -65,7 +70,9 @@ You can still launch runtimes directly (`claude`, `codex`, etc.) — thin runtim
 ```
 ~/.config/mosaic/
 ├── AGENTS.md              ← THE source of truth (all standards, all runtimes)
-├── SOUL.md                ← User identity (generated by mosaic init)
+├── SOUL.md                ← Agent identity (generated by mosaic init)
+├── USER.md                ← User profile and accessibility (generated by mosaic init)
+├── TOOLS.md               ← Machine-level tool reference (generated by mosaic init)
 ├── STANDARDS.md           ← Machine-wide standards
 ├── guides/E2E-DELIVERY.md ← Mandatory E2E software delivery procedure
 ├── guides/PRD.md          ← Mandatory PRD requirements gate before coding
@@ -121,7 +128,7 @@ mosaic upgrade project ... # Project file cleanup mode (see below)
 Upgrade the installed framework in place:
 
 ```bash
-# Default (safe): keep local SOUL.md + memory
+# Default (safe): keep local SOUL.md, USER.md, TOOLS.md + memory
 mosaic upgrade
 
 # Check current/target release info without changing files
@@ -245,7 +252,7 @@ cd ~/src/mosaic-bootstrap && git pull && bash install.sh
 ```
 
 If an existing install is detected, the installer prompts for:
-- `keep` (recommended): preserve local `SOUL.md` and `memory/`
+- `keep` (recommended): preserve local `SOUL.md`, `USER.md`, `TOOLS.md`, and `memory/`
 - `overwrite`: replace everything in `~/.config/mosaic`
 
 Or use the one-liner again — it always pulls the latest: