hey: convert alias to function with git awareness + FETCH_HEAD cache

The 'hey' alias launched claude with 'Read docs/protocols.org' — broken
after the docs/ → .ai/ restructure. While updating the path, add
matching behavior to aix:

- Bail early if the current dir isn't a .ai/ template project
- Fetch upstream only when FETCH_HEAD is stale (>10 min old) — avoids
  re-fetching on back-to-back invocations in the same project
- Auto-pull when clean, behind, not ahead
- Print a one-line git-status summary otherwise (↑N ↓N dirty)
- Launch claude with the updated .ai/protocols.org path

Function identical across .bashrc.d and .zshrc.d (bash/zsh compatible).

Tested: non-template dir bails cleanly with exit 1; template project
shows status and launches claude; repeated invocations reuse
FETCH_HEAD cache silently.

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