Add simple AI setup lanes with planner, driver, and reviewer

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Summary

Add an AI_SETUP_LANES.md guide documenting this repo's two recommended AI coding setups.

Each setup should have exactly:

Planner
Driver
Reviewer

This is guidance, not a hard rule. Maintainer override is always allowed.

OpenCode is less settled for now, so keep the strategy flexible.

Proposed config

repo: opencode-sdlc-wizard

setup_a:
  name: OpenCode Premium / Frontier
  planner: GPT-5.5 xhigh or Claude Opus via chosen provider
  driver: frontier model selected by maintainer
  reviewer: GPT-5.5 xhigh

setup_b:
  name: OpenCode Local / Secondary
  planner: local model or OpenCode Go Kimi K2.6
  driver: local model or OpenCode Go Kimi/Qwen
  reviewer: MiMo V2.5 Pro, Kimi K2.6, or human review

Notes

• Setup A is the premium/frontier OpenCode lane.
• Setup A can use Zen, direct provider access, Claude Code, Codex, or whatever frontier setup the maintainer chooses.
• Setup B is the secondary/local/cheaper lane.
• Setup B can use OpenCode Go, local models, Kimi, Qwen, or another lower-cost provider.
• Kimi K2.6 is the simple all-rounder candidate.
• MiMo V2.5 Pro is a reviewer candidate.
• Qwen can be used as a cheaper driver when the task is clear.
• DeepSeek V4 Flash can be used for boxed-in mechanical work, but do not make it a separate setup field.
• Maintainer override is always allowed.

Prefer Setup A for

• generated .opencode config behavior
• installer behavior
• release-critical changes
• destructive file operations
• package publishing
• CI/release automation
• security-sensitive behavior
• changes that could damage a consumer repo

Prefer Setup B for

• docs
• examples
• normal OpenCode workflow updates
• low-risk config changes
• simple tests
• OpenCode Go validation
• local/cheap experiments

Proposed task

Add AI_SETUP_LANES.md.
It should include:

• Purpose
• Setup A
• Setup B
• When to use Setup A
• When to use Setup B
• OpenCode Go / Zen / local notes
• Final review policy
• Credit-spend warning
• Privacy warning for free/experimental models
• Maintainer override note

If AGENTS.md exists, add a short section linking to AI_SETUP_LANES.md.

Acceptance criteria

• AI_SETUP_LANES.md exists.
• It defines Setup A and Setup B only.
• Each setup has only Planner, Driver, and Reviewer.
• It documents Setup A as OpenCode Premium / Frontier.
• It documents Setup B as OpenCode Local / Secondary.
• It says setups are guidance, not hard rules.
• It says maintainer override is allowed.
• It includes escalation guidance.
• It includes credit-spend guidance.
• It includes a privacy warning for free/experimental models.
• AGENTS.md links to it if present.
• No source/package code changes are included.