feat: Support installing built-in AGENT files and skills during picoclaw onboard

workspace/memory/MEMORY.md

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+# Long-term Memory
+
+This file stores important information that should persist across sessions.
+
+## User Information
+
+(Important facts about user)
+
+## Preferences
+
+(User preferences learned over time)
+
+## Important Notes
+
+(Things to remember)
+
+## Configuration
+
+- Model preferences
+- Channel settings
+- Skills enabled