feat: unify onboarding + config schema

docs/onboarding-config-protocol.md

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+# Onboarding + Config Protocol
+
+Purpose: shared onboarding + config surfaces across CLI, macOS app, and Web UI.
+
+## Components
+- Wizard engine: `src/wizard` (session + prompts + onboarding state).
+- CLI: `src/commands/onboard-*.ts` uses the wizard with the CLI prompter.
+- Gateway RPC: wizard + config schema endpoints serve UI clients.
+- macOS: SwiftUI onboarding uses the wizard step model.
+- Web UI: config form renders from JSON Schema + hints.
+
+## Gateway RPC
+- `wizard.start` params: `{ mode?: "local"|"remote", workspace?: string }`
+- `wizard.next` params: `{ sessionId, answer?: { stepId, value? } }`
+- `wizard.cancel` params: `{ sessionId }`
+- `wizard.status` params: `{ sessionId }`
+- `config.schema` params: `{}`
+
+Responses (shape)
+- Wizard: `{ sessionId, done, step?, status?, error? }`
+- Config schema: `{ schema, uiHints, version, generatedAt }`
+
+## UI Hints
+- `uiHints` keyed by path; optional metadata (label/help/group/order/advanced/sensitive/placeholder).
+- Sensitive fields render as password inputs; no redaction layer.
+- Unsupported schema nodes fall back to the raw JSON editor.
+
+## Notes
+- This doc is the single place to track protocol refactors for onboarding/config.