docs: 添加AI编码前需确认设计方案的工作原则

[weibaohui]

在CLAUDE.md和AGENTS.md中添加强制性的“写代码前必须确认设计方案”工作原则，明确要求AI在实现代码前需向人类说明方案并得到确认。此原则适用于新增功能、重构、多文件改动等场景，仅对单行bug修复等明确情况例外。

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⚙️ Run configuration

Configuration used: Organization UI

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Reviewing files that changed from the base of the PR and between d10281d and 792c806.

📒 Files selected for processing (2)

• AGENTS.md
• CLAUDE.md

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