Add getSystemMcpServerNames() sync function to detect system-configured MCP
servers from .mcp.json files (user, project, and local scopes). Builtin skills
like playwright are now automatically excluded when their MCP server is already
configured in system config, preventing duplicate MCP server registration.
Also adds comprehensive test suite with 5 BDD-style tests covering empty config,
project/local scopes, disabled servers, and merged configurations.
Changes:
- loader.ts: Add getSystemMcpServerNames() function + readFileSync import
- loader.test.ts: Add 5 tests for getSystemMcpServerNames() edge cases
- index.ts: Filter builtin skills to exclude those with overlapping MCP names
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