Initial commit: Korean voice-cloning TTS prototype

FastAPI backend, web UI, CosyVoice3/F5-TTS setup scripts, and handoff docs for GPU PC continuation.

Co-authored-by: Cursor <cursoragent@cursor.com>

config/settings.yaml

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+# TTS 프로토타입 설정 (한국어 품질 우선)
+default_model: cosyvoice  # cosyvoice | f5_tts
+
+paths:
+  samples_dir: samples
+  outputs_dir: outputs
+  models_dir: models
+  uploads_dir: backend/data/uploads
+
+cosyvoice:
+  repo_dir: external/CosyVoice
+  model_dir: models/Fun-CosyVoice3-0.5B
+  # reference WAV에 대응하는 프롬프트 텍스트 (CosyVoice3 zero-shot 형식)
+  prompt_prefix: "You are a helpful assistant.<|endofprompt|>"
+
+f5_tts:
+  model: F5TTS_v1_Base
+
+generation:
+  chunk_max_chars: 120
+  cross_fade_duration: 0.15
+  speed: 1.0
+
+server:
+  host: 0.0.0.0
+  port: 8000