Feature Request: Native startup files config in settings.json

## Problem

Users who maintain skill/reference files in `~/.copilot/skills/` need them loaded at the start of every session. Today the only mechanism is a prose instruction in `copilot-instructions.md` saying "read these files first" — but model compliance is inconsistent. 3 out of 3 new sessions this morning required manually prompting the agent to load skills.

## Proposed Solution

Add a `startupFiles` array in `settings.json` that the CLI runtime reads and injects into context automatically before the first model turn — no model compliance needed.

```json
"startupFiles": [
"~/.copilot/skills/**/*.md",
"~/.copilot/skills/references/*.md"
]
```

This would guarantee domain context is always present without wasting a turn on file reads or relying on the model to follow instructions.

## Impact

Any power user who builds custom skills, domain knowledge bases, or team-specific reference files hits this every single session. The current workaround is asking the agent "have you loaded skills" at the start of every session, which defeats the purpose of having persistent instructions.

從 issue 中描述的 CLI 執行時行為，以及現有的 settings.json 和 copilot-instructions.md 機制開始。確定應如何讀取 startupFiles 模式，並在模型第一次互動之前注入。完成的標準是：已設定的啟動檔案能在工作階段啟動時可靠地載入，而不需要模型遵循指示或手動提示。

由索引模型根據 Issue 內容生成。