Add xxhash-rust and bincode workspace dependencies for fast hashing and serialization. Implement cache_util for cache directory/path resolution with versioning, and IndexCache for saving/loading line indices to disk with file-hash validation.
Ultraworked with [Sisyphus](https://github.com/code-yeongyu/oh-my-openagent)
Co-authored-by: Sisyphus <clio-agent@sisyphuslabs.ai>
Add AppMode enum (Normal/Settings), level_cache field populated in recompute_wrap_cache via detect_level(), color_config loaded from TOML in main.rs. Refactor handle_key for mode dispatch with S key to enter settings.
Ultraworked with [Sisyphus](https://github.com/code-yeongyu/oh-my-openagent)
Co-authored-by: Sisyphus <clio-agent@sisyphuslabs.ai>
