Restructure chat service, web routes, and add test suite

Split monolithic chat service into modular structure with Matrix client
support, extract web server into per-resource route modules, introduce
bootstrap/main-loop separation, and add comprehensive vitest coverage
across services, repositories, and utilities. Adds project docs and
CLAUDE.md agent instructions.

vitest.config.ts

@@ -0,0 +1,15 @@
+import { defineConfig } from 'vitest/config';
+
+export default defineConfig({
+  test: {
+    globals: false,
+    environment: 'node',
+    include: ['tests/**/*.test.ts'],
+    coverage: {
+      provider: 'v8',
+      reporter: ['text', 'json', 'html'],
+      exclude: ['node_modules/', 'tests/', 'dist/'],
+    },
+    testTimeout: 30000,
+  },
+});