feat(onboard): user onboarding - no default USER.md, guided creation (#37)
- bootstrap no longer creates user/USER.md (owner direction)
- scripts/onboard.sh: name REQUIRED (interactive loop or --name),
optional fields prompted (profession, marital, age, gender, education,
location, timezone, skillset, interests, hobbies, pets); flag-driven
non-interactive mode for automation
- templates/USER.md: canon skeleton, placeholder rendering, unfilled
optional = (not provided)
- agent.sh: auto-runs onboarding when profile missing (TTY gate);
headless run-task warns and continues without user context
- user profile dispatched to all launches (M14 layer)
Closes #37 (onboarding requirements from owner layout review)