feat: add docs checker and record templates

docs new creates ADRs and plans from embedded templates; docs check reports
path:line: message problems per docs/docs-format.md.

Co-Authored-By: Claude Sonnet 5.5 <noreply@anthropic.com>

internal/docs/templates/adr.md

@@ -0,0 +1,32 @@
+---
+title: @TITLE_YAML@
+date: @DATE@
+status: proposed
+implementation: not-started
+summary: "{{docs:todo}}"
+tags:
+  - "{{docs:todo}}"
+supersedes: []
+superseded_by: []
+related: []
+tracking: []
+implemented_by: []
+---
+
+# @TITLE@
+
+## Context and Problem Statement
+
+{{docs:todo}}
+
+## Considered Options
+
+{{docs:todo}}
+
+## Decision Outcome
+
+{{docs:todo}}
+
+### Consequences
+
+{{docs:todo}}