Feature/breakup config

[hatkyinc2]

Simplify first use, more flexible config for multi-project work

• New codebase config file
• .env.template is now .env.defaults loaded directly, no need to copy to .env
• load sequence is now .env.template, ~/.autopilot/.env, CODEBASE/.autopilot/.env
• FILE_EXTENSIONS_TO_PROCESS and IGNORE_LIST should be set in codebase config file, interactive bootstrapping with user.

re: #164
Makes #86 possible and a dockerfile format

Includes
#174

OPENAI_API_KEY would be looked for and if doesn't exist prompt the user for one, writing it to a homedir/.autopilot/.env file with note to the user.

• Refactor where and when we load the env files and how/when we access the process.env. variables
  Move OPENAI_API_KEY into a user home directory ~/.autopilot/.env file #163