feat: 重组为标准 skill 包结构 + 修复 verify.sh bash 3.2 兼容

- 新增 .claude/skills/new-project/SKILL.md（标准 skill 格式）
- install-skill.sh 安装时组装 SKILL.md + verify.sh，单一源无重复
- verify.sh 改用索引数组替代 declare -A，兼容 macOS bash 3.2
- log_pass/log_skip 显式 return 0，避免 set -e 下非 verbose 误退出
- README 改为 skill 优先；补全 copier.yml/scripts/template 入库

template/.github/dependabot.yml.jinja

@@ -0,0 +1,24 @@
+version: 2
+updates:
+{%- if include_backend %}
+  - package-ecosystem: pip
+    directory: /backend
+    schedule:
+      interval: weekly
+{%- endif %}
+{%- if include_agent %}
+  - package-ecosystem: pip
+    directory: /agent
+    schedule:
+      interval: weekly
+{%- endif %}
+{%- if include_frontend %}
+  - package-ecosystem: npm
+    directory: /frontend
+    schedule:
+      interval: weekly
+{%- endif %}
+  - package-ecosystem: github-actions
+    directory: /
+    schedule:
+      interval: weekly

template/.github/workflows/ci.yml.jinja

@@ -0,0 +1,69 @@
+name: CI
+
+on:
+  push:
+  pull_request:
+
+jobs:
+{%- if include_backend %}
+  backend:
+    runs-on: ubuntu-latest
+    defaults:
+      run:
+        working-directory: backend
+    steps:
+      - uses: actions/checkout@v4
+      - uses: astral-sh/setup-uv@v3
+        with:
+          python-version: "{{ python_version }}"
+      - run: uv sync
+      - run: uv run ruff check src
+      - run: uv run ruff format --check src
+      - run: uv run mypy src
+      - run: uv run pip-audit
+{%- if database == 'sqlite' %}
+      - run: uv run alembic upgrade head
+{%- endif %}
+      - run: uv run pytest --cov=src --cov-fail-under=80
+{%- endif %}
+
+{%- if include_agent %}
+  agent:
+    runs-on: ubuntu-latest
+    defaults:
+      run:
+        working-directory: agent
+    steps:
+      - uses: actions/checkout@v4
+      - uses: astral-sh/setup-uv@v3
+        with:
+          python-version: "{{ python_version }}"
+      - run: uv sync
+      - run: uv run ruff check src
+      - run: uv run ruff format --check src
+      - run: uv run mypy src
+      - run: uv run pip-audit
+      - run: uv run pytest --cov=src --cov-fail-under=80
+{%- endif %}
+
+{%- if include_frontend %}
+  frontend:
+    runs-on: ubuntu-latest
+    defaults:
+      run:
+        working-directory: frontend
+    steps:
+      - uses: actions/checkout@v4
+      - uses: pnpm/action-setup@v4
+      - uses: actions/setup-node@v4
+        with:
+          node-version: {{ node_version }}
+          cache: pnpm
+          cache-dependency-path: frontend/pnpm-lock.yaml
+      - run: pnpm install --frozen-lockfile
+      - run: pnpm audit --audit-level high
+      - run: pnpm lint
+      - run: pnpm typecheck
+      - run: pnpm test:run --coverage
+      - run: pnpm build
+{%- endif %}