* fix(memory): check index.json not .rag dir in setup step 5
* docs(readme): align to real state after memory PRs
* chore(env): remove dead vars from env example
* docs(handoff): add handoff + ADR-037 for memory setup step5 fix
* docs(handoff): set PR number
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Co-authored-by: opencode-agent <agent@opencode.local>
