v1 template ships .env.local but env.config only loads .env

[cultron]

env.config.ts uses env.config() (dotenv default = .env), while the scaffold writes .env.local. Fresh projects silently run on defaultConfig (port 3200/54322, postgres) and ignore the scaffolded env. Workaround: cp .env.local .env. Fix: load .env.local (or write .env at scaffold time).

[cultron]

apso-overnight-2: fixed CLI-side in PR #105. After cloning a template, `cloneTemplate` now ensures a `.env` exists by copying `.env.local` (preferred) or `.env.example`. This makes the NestJS default `.env` loader pick up the scaffolded values instead of silently running on built-in defaults. Idempotent (never overwrites an existing `.env`), covered by ensure-env-file.test.ts, and verified in a real `apso init` scaffold. Template-agnostic — no change needed to the archived v1 repo.