Add TOML support for formulas (gt-xmyha)

- Add TOML parsing using BurntSushi/toml
- Update formula loader to try .toml first, fall back to .json
- Add `bd formula convert` command for JSON→TOML migration
- Multi-line string support for readable descriptions
- Cache git worktree/reporoot checks for performance

🤖 Generated with [Claude Code](https://claude.com/claude-code)

Co-Authored-By: Claude Opus 4.5 <noreply@anthropic.com>

go.sum

@@ -1,3 +1,5 @@
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+github.com/BurntSushi/toml v1.6.0/go.mod h1:ukJfTF/6rtPPRCnwkur4qwRxa8vTRFBF0uk2lLoLwho=
 github.com/MakeNowJust/heredoc v1.0.0 h1:cXCdzVdstXyiTqTvfqk9SDHpKNjxuom+DOlyEeQ4pzQ=
 github.com/MakeNowJust/heredoc v1.0.0/go.mod h1:mG5amYoWBHf8vpLOuehzbGGw0EHxpZZ6lCpQ4fNJ8LE=
 github.com/anthropics/anthropic-sdk-go v1.19.0 h1:mO6E+ffSzLRvR/YUH9KJC0uGw0uV8GjISIuzem//3KE=