[Feature] Support loading config from project level `.config` subfolder

[MRDGH2821]

Description

I propose this - https://dot-config.github.io/

I.e. capabilities loading config from <project>/.config/capabilities.yaml (and <project>/.config/capabilities.lock)

Motivation

With so many linters, formatters & tool configs lying in root of the project folder, it has become tedious to hunt down a specific config I'm looking for.

Having it in .config folder cleans up the root folder.

Alternatives considered

Having a sub folder inside .config, i.e.:

<project>/.config/capabilities/config.yaml
<project>/.config/capabilities/capabilities.lock

https://github.com/numtide/prj-spec