[BUG] plugin install copies gitignored files, including a root .env, from a directory marketplace

### Preflight

- Searched open issues for plugin cache and gitignore reports; found none matching.
- Single bug report.
- Running the latest version (2.1.266).

### What's Wrong?

`claude plugin install` and `claude plugin update` copy the marketplace root into `~/.claude/plugins/cache////`. When the marketplace source is a `directory`, which is the local plugin development path, the copy includes files git ignores.

Measured on my checkout (github.com/bostonaholic/team, 90 skills and 13 agents):

- cache copy: 128M
- content tracked by git: 4.5M
- `node_modules/` accounts for 51M of that difference. The rest is local scratch: `.playwright-mcp/`, `.claude/worktrees/`, `.agents/friction-log/`.

The copy already excludes `.git`, so some filtering happens, but it does not read `.gitignore`.

`.gitignore` is also where local secrets go by convention. My repo reserves a root `.env` for the API key its eval suite reads. I confirmed that file gets copied by writing a probe value to it and reinstalling:

```
$ cat ~/.claude/plugins/cache/team-dev/team/0.97.0-claude.20260910173552/.env
TEAM_DEV_COPY_PROBE=not-a-real-secret
```

The install prints no warning, and the copied file stays until the install is replaced.

### What Should Happen?

When the marketplace source is a directory, skip files git ignores, honoring global excludes and `core.excludesFile`. An explicit exclude list in `marketplace.json` or `plugin.json` would work too.

### Steps to Reproduce

1. Clone a plugin repo whose `.gitignore` covers `node_modules/` and a root `.env`.
2. `bun install` (or `npm install`), and write any value to `.env`.
3. `claude plugin marketplace add --scope user`
4. `claude plugin install @ --scope user`
5. `ls -A ~/.claude/plugins/cache////` shows both `node_modules/` and `.env` in the copy.

### Is this a regression?

Unknown. This is the first version I have measured.

### Claude Code Version

2.1.266

### Platform

macOS (arm64)

### Operating System

macOS 26.6.2

### Terminal/Shell

zsh

### Additional Information

`--plugin-dir` skips the copy for a session, and I use it while iterating. My dev install script goes through `plugin install` so the install I test is the one users get, and that path is where the ignored files come along.

Start with the implementation behind `claude plugin install` and `claude plugin update` for directory marketplaces, then reproduce the copy using the listed marketplace and cache commands. Trace the directory-copy step and identify how `.gitignore`, global excludes, and `core.excludesFile` could be honored. Done means ignored paths such as `node_modules/` and a root `.env` are absent from the cache while tracked plugin files remain.

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