new-agent.sh's walk-up checked for a .git directory before checking
whether it had reached $HOME, so a dotfiles-managed home directory
(e.g. `~/.git` from yadm or a bare-repo checkout) made `new-agent.sh
<name> ~` silently resolve to project scope instead of user scope,
writing .github/agents/ instead of ~/.copilot/agents/. Check the
$HOME boundary before the .git check so it can no longer be shadowed.
Found via post-implementation review of issue #89.