feat(install-ai): gitignore the full personal-tooling set, add backfill sweep

A gitignore-mode project only ignored .ai/. CLAUDE.md was left untracked but not ignored, so an accidental git add or a codify run could still commit a personal CLAUDE.md, the private rule copies under .claude/, or an AGENTS.md. install-ai now ignores the whole set (.ai/, .claude/, CLAUDE.md, AGENTS.md) at bootstrap, line-idempotent so an existing .gitignore isn't duplicated.

.claude/ goes in the set because it's rulesets-owned (copies of claude-rules/*.md plus the language bundle's rules, hooks, and settings), re-synced from rulesets every startup, so git isn't how it travels. Ignoring it also keeps those private rule copies out of the repo, which ignoring CLAUDE.md alone would miss. The gate is unchanged: track-mode projects (personal/doc repos, team repos sharing config) keep tracking the set.

sweep-gitignore-tooling.sh backfills the set across existing gitignore-mode projects, idempotent and skipping track-mode by design. It warns when a now-ignored path is already tracked, since the ignore won't untrack it. protocols.org states the policy once.

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