docs: add example config files

.env.example

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+# Matrix Bot Credentials
+# Required: at least one of MATRIX_ACCESS_TOKEN or MATRIX_PASSWORD
+
+MATRIX_HOMESERVER=https://matrix.org
+MATRIX_USER_ID=@opencode-bot:matrix.org
+MATRIX_ACCESS_TOKEN=
+MATRIX_PASSWORD=
+
+# Optional: Override storage directory
+# MATRIX_STORAGE_PATH=~/.local/share/opencode-matrix-bot

matrix.json.example

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+{
+  "homeserver": "https://matrix.org",
+  "userId": "@opencode-bot:matrix.org",
+  "password": "",
+  "deviceId": "opencode-matrix-plugin",
+  "autoJoin": true,
+  "triggerPatterns": ["!oc "],
+  "ignoreRooms": [],
+  "ignoreUsers": [],
+  "allowedUsers": [],
+  "formatHtml": false,
+  "threadIsolation": true,
+  "respondToThreadReplies": true,
+  "rateLimitSeconds": 5,
+  "botName": "opencode",
+  "enabled": true
+}

opencode.example.jsonc

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+{
+  "$schema": "https://opencode.ai/config.json",
+  "plugins": [
+    {
+      "package": "./plugins/opencode-matrix-plugin",
+      "options": {
+        "homeserver": "https://matrix.org",
+        "userId": "@opencode-bot:matrix.org",
+        "password": "",
+        "deviceId": "opencode-matrix-plugin",
+        "autoJoin": true,
+        "triggerPatterns": ["!oc ", "!ai "],
+        "ignoreRooms": [],
+        "ignoreUsers": [],
+        "allowedUsers": [],
+        "formatHtml": false,
+        "threadIsolation": true,
+        "respondToThreadReplies": true,
+        "rateLimitSeconds": 5,
+        "botName": "opencode",
+        "storagePath": ""
+      }
+    }
+  ]
+}