docs: clarify Cowork vs Claude Code settings file location (#124)

The READMEs instructed users to place settings files in 'your project's
.claude/ directory' — but Cowork has no project concept. Its .claude/ is
ephemeral per-session app storage in ~/Library/Application Support/ that
users can't practically access.

Cowork users should instead place settings files in any folder shared
with Cowork via the folder picker. The skill implementations already
search freely with no hardcoded path, so this is purely a docs fix.

Reported via Reddit: https://www.reddit.com/r/ClaudeCowork/comments/1rh875p/

Author: vprajago

human-resources/README.md

@@ -111,7 +111,10 @@ See [CONNECTORS.md](CONNECTORS.md) for the full list of supported integrations.
 
 ## Settings
 
-Create a local settings file at `human-resources/.claude/settings.local.json` to personalize:
+Create a `settings.local.json` file to personalize:
+
+- **Cowork**: Save it in any folder you've shared with Cowork (via the folder picker). The plugin finds it automatically.
+- **Claude Code**: Save it at `human-resources/.claude/settings.local.json`.
 
 ```json
 {

legal/README.md

@@ -29,7 +29,10 @@ claude plugins add knowledge-work-plugins/legal
 
 Create a local settings file to define your organization's standard positions. This is where you encode your team's negotiation playbook, risk tolerances, and standard terms.
 
-In your project's `.claude/` directory, create a `legal.local.md` file:
+Create a `legal.local.md` file where Claude can find it:
+
+- **Cowork**: Save it in any folder you've shared with Cowork (via the folder picker). The plugin finds it automatically.
+- **Claude Code**: Save it in your project's `.claude/` directory.
 
 ```markdown
 # Legal Playbook Configuration

sales/README.md

@@ -115,7 +115,10 @@ See [CONNECTORS.md](CONNECTORS.md) for the full list of supported integrations,
 
 ## Settings
 
-Create a local settings file at `sales/.claude/settings.local.json` to personalize:
+Create a `settings.local.json` file to personalize:
+
+- **Cowork**: Save it in any folder you've shared with Cowork (via the folder picker). The plugin finds it automatically.
+- **Claude Code**: Save it at `sales/.claude/settings.local.json`.
 
 ```json
 {