refactor(baoyu-cover-image): replace 20 styles with 5D palette×rendering system

Migrate from 4-dimension (Type×Style×Text×Mood) to 5-dimension
(Type×Palette×Rendering×Text×Mood) system. 9 palettes × 6 renderings
= 54 combinations replacing 20 fixed styles. Add style presets for
backward compatibility, v2→v3 schema migration, and new reference
structure (palettes/, renderings/, workflow/).

skills/baoyu-cover-image/references/palettes/vivid.md

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+# vivid
+
+Energetic, bold, attention-grabbing
+
+## Color Palette
+
+| Role | Color | Hex |
+|------|-------|-----|
+| Primary 1 | Bright Red | #EF4444 |
+| Primary 2 | Neon Green | #22C55E |
+| Primary 3 | Electric Blue | #3B82F6 |
+| Background | Light Blue | #EFF6FF |
+| Background Alt | Soft Lavender | #F5F3FF |
+| Accent 1 | Bright Orange | #FB923C |
+| Accent 2 | Vivid Yellow | #FACC15 |
+
+## Decorative Hints
+
+- Dynamic diagonal lines and angles
+- Bold geometric shapes and color blocks
+- Dramatic lighting effects
+- High-energy visual compositions
+
+## Best For
+
+Product launch, gaming, promotion, event, marketing, announcements, brand showcases