docs: add CHANGELOG and TODO templates, update rules

TODO.package.md

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+# TODO - Technical Debt
+
+Track known issues, shortcuts, and improvements needed.
+
+## High Priority
+
+> Critical issues that should be fixed soon.
+
+- [ ] Example: Fix memory leak in X component
+
+## Medium Priority
+
+> Important but not urgent.
+
+- [ ] Example: Add proper error handling to Y
+- [ ] Example: Refactor Z for better performance
+
+## Low Priority
+
+> Nice to have, can wait.
+
+- [ ] Example: Add more unit tests
+- [ ] Example: Improve documentation
+
+## Completed
+
+> Resolved items (keep for history).
+
+- [x] ~~Example task~~ (resolved in v0.1.0)
+
+---
+
+## Template Usage
+
+1. Add items when you notice issues during development
+2. Mark `[x]` and move to Completed when resolved
+3. Reference in commits: `fix(pkg): resolve issue (TODO #3)`
+4. Review before each release
+5. Remove this section