feat: restructure into a multi-extension plugin framework for Claude Code and agy

Replace the skills-only SSoT (skills/<name>/SKILL.md) with plugins/<name>/,
where a plugin can bundle skills, MCP servers, lifecycle hooks, rules,
commands, and agents. scripts/generate_plugins.py now discovers plugins
from one or more layered --source roots and emits real per-target trees
(dist/claude-code/** + .claude-plugin/marketplace.json, dist/agy/**),
translating hooks.json/mcp.json between Claude Code's and agy's actual
schemas instead of only fanning out flat skill lists.

Adds a private-overlay build path (--source/--private-repo/--out/
--install-local) so a second, non-public repo (PII, tokens, personal-only
plugins) can extend or override the public plugin set without either repo
touching the other's history — private builds default to a gitignored
dist-private/ and never land in tracked output.

Drops install.sh and descriptions.json: both only ever covered skills and
pre-date the native plugin marketplace; both tools now install the plugin
marketplace the documented way (Claude Code's /plugin marketplace add,
agy's plugins.json entries). CI path filters move to plugins/**, and the
workflow gains workflow_dispatch for a manual re-trigger.

Co-Authored-By: Claude Sonnet 5 <noreply@anthropic.com>
Claude-Session: https://claude.ai/code/session_014YVWWAnvR5TDQzmfY3RXG9

.gitignore

@@ -116,3 +116,12 @@ AGENTS/
 docs/plans
 docs/devlogs
 #   ────────────────────────────────────────────────────────
+
+#   ─────────────────── Private Overlay Builds ─────────────────
+# Output of `generate_plugins.py` when layering a private/PII-bearing
+# source on top of the public plugins/ tree. Never commit this.
+dist-private/
+
+#   ─────────────────────────── Python ──────────────────────────
+__pycache__/
+*.pyc