Initialize project structure with core files, environment settings, and basic configurations

Co-authored-by: Copilot <copilot@github.com>

charactergarden/.env.example

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+# Copy this file to .env and adjust values as needed.
+# Never commit .env — it is gitignored.
+
+NODE_ENV=development
+APP_PORT=3000
+FRONTEND_PORT=5173
+DB_PATH=/data/sqlite/app.db
+
+# Optional — only required when running with: docker compose --profile llm up
+OLLAMA_URL=http://ollama:11434
+OLLAMA_MODEL=llama3