feat(structure): 新增项目级目录 docs/、tools/、data/

- docs/ 项目级总体文档（产品需求、系统架构、开发规范、部署运维、变更日志）
- tools/ 开发工具脚本
- data/ 训练数据
- AGENTS.md 权限矩阵新增三个目录的权限定义
- coder.json Dev AI 新增 docs/、tools/、data/ 可写路径
- tester.json QA AI 新增 docs/、data/ 只读路径，tools/ 禁止路径
- ai-collab-setup/SKILL.md 目录结构同步更新到 v2.1

.ai/config/coder.json

@@ -5,6 +5,9 @@
   "responsibilities": [
     "编写业务代码",
     "生成技术文档",
+    "维护项目级文档",
+    "维护开发工具",
+    "维护训练数据",
     "定义验收标准",
     "评估变更影响",
     "维护共享资源"
@@ -12,6 +15,9 @@
   "allowed_paths": [
     "projects/*/src/",
     "projects/*/docs/",
+    "docs/",
+    "tools/",
+    "data/",
     "shared/",
     "review/*/acceptance.md",
     "review/*/impact.md"

.ai/config/tester.json

@@ -15,13 +15,16 @@
     "review/*/feedback/"
   ],
   "read_only_paths": [
-    "review/*/task.md"
+    "review/*/task.md",
+    "docs/",
+    "data/"
   ],
   "forbidden_paths": [
     "projects/*/src/",
     "projects/*/docs/",
     "shared/",
-    "review/*/impact.md"
+    "review/*/impact.md",
+    "tools/"
   ],
   "prompt_templates": {
     "testing": ".ai/prompts/testing/"