Apply ch-bootstrap convention (partial)

Existing life-helper already has the Redmine project (id=12), 8 persona
categories, and Gitea remote, so this commit applies only the local-side
pieces of the cloud-handson convention:

- .claude/settings.json (safe-but-maximal permissions: allow-all + deny dangerous)
- .claude/agents/ (8 persona subagents: planner/architect/designer/developer/reviewer/qa/release/documenter)
- .claude/workflows/persona-pipeline.js
- CLAUDE.md (Design-First hard gate)
- docs/ skeleton (Diátaxis + ADR + design templates + QUEUE-PROTOCOL)
- scripts/enqueue.sh
- .env.example

.gitignore: switched .claude/ blanket-ignore to .claude/settings.local.json
so the new settings/agents/workflows actually commit. .env and nutrition/ stay ignored.

Existing root SoT files (huberman-protocols.md, habit-*.md, data-model.md,
schema/) are untouched.

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

docs/adr/_TEMPLATE.md

@@ -0,0 +1,24 @@
+<!-- ADR 템플릿. 복사해서 adr/NNNN-<kebab-title>.md (4자리 일련번호). -->
+
+# ADR-NNNN: <제목>
+
+> **상태**: Proposed <!-- Proposed | Accepted | Superseded by ADR-XXXX -->
+> **날짜**: <YYYY-MM-DD> · **결정자**: [AI] Architect · **관련 이슈**: #<id>
+
+## 맥락 (Context)
+무엇이 이 결정을 강제하는가. 배경·제약·요구.
+
+## 결정 (Decision)
+우리는 무엇을 하기로 했는가. (명확한 한 문단)
+
+## 근거 (Rationale)
+왜 이 선택인가. 핵심 트레이드오프.
+
+## 결과 (Consequences)
+- **긍정**: ...
+- **부정 / 비용**: ...
+- **후속 작업**: ...
+
+## 검토한 대안 (Alternatives Considered)
+- **<대안 A>** — 기각 사유: ...
+- **<대안 B>** — 기각 사유: ...