Without --no-index, git check-ignore only reports files as ignored if
they are untracked. Once .planning/ files enter git's index (e.g., from
an initial commit before .gitignore was set up), check-ignore returns
"not ignored" even when .gitignore explicitly lists .planning/.
This means the documented safety net — "if .planning/ is gitignored,
commit_docs is automatically false" — silently fails for any repo where
.planning/ was ever committed. The --no-index flag checks .gitignore
rules regardless of tracking state, matching user expectations.
Closes#703
Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>
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