feat(templates): centralize workspace templates

docs/templates/TOOLS.md

@@ -0,0 +1,20 @@
+---
+summary: "Workspace template for TOOLS.md"
+read_when:
+  - Bootstrapping a workspace manually
+---
+# TOOLS.md - User Tool Notes (editable)
+
+This file is for your notes about external tools and conventions.
+It does not define which tools exist; Clawdis provides built-in tools internally.
+
+## Examples
+
+### imsg
+- Send an iMessage/SMS: describe who/what, confirm before sending.
+- Prefer short messages; avoid sending secrets.
+
+### sag
+- Text-to-speech: specify voice, target speaker/room, and whether to stream.
+
+Add whatever else you want the assistant to know about your local toolchain.