fix: bad substitution in install.sh USER.md heredoc, update install URLs for private repos

install.sh

@@ -939,14 +939,19 @@ SOULEOF
     ask "What are you currently working on? (or Enter to skip):"
     read -r user_focus
 
+    # Default for empty focus
+    if [ -z "${user_focus:-}" ]; then
+        user_focus="<!-- What you're working on -->"
+    fi
+
     cat > "$WORKSPACE_DIR/USER.md" <<USEREOF
 # USER.md — Who I Am
 
 ## About Me
 
-- **Name:** ${user_name_input:-}
-- **Role:** ${user_role:-}
-- **Timezone:** ${user_tz:-}
+- **Name:** ${user_name_input}
+- **Role:** ${user_role}
+- **Timezone:** ${user_tz}
 
 ## Preferences
 
@@ -955,7 +960,7 @@ SOULEOF
 
 ## Current Focus
 
-${user_focus:-<!-- What you're working on -->}
+${user_focus}
 
 ## Tools & Services