fix(file-reference): teach the @-mention guidance directories and the workspace root
Field test: the model received a bare '@niulai/' and guessed a user
mention — the guidance section was present but said only that @-prefixed
paths are files, never covering the trailing-slash directory form, the
workspace-relative root, or the quoted spelling. Rewrite the section to
name all three; the section's presence conditions and every consumer
pin the constant, so nothing else moves.