fix(agents): address cubic review findings on agent loader

- Case-insensitive .md extension stripping for agent name extraction
- Resolve project agent_definitions paths relative to config dir (.opencode/)
- Use getOpenCodeConfigDir() to respect OPENCODE_CONFIG_DIR/XDG_CONFIG_HOME
- First-write-wins semantics for both inline and definition-file agents
  so project-level agents always take precedence over global-level