The system prompt docs listed bootstrap files but omitted MEMORY.md,
which IS injected when present. This led users to assume memory files
are on-demand only and not consuming context tokens.
Changes:
- Add MEMORY.md to the bootstrap file list
- Note that all listed files consume tokens on every turn
- Clarify that memory/*.md daily files are NOT injected (on-demand only)
- Document sub-agent bootstrap filtering (AGENTS.md + TOOLS.md only)
Closes#12909