docs: refine README global policy guidance

Author: zcube

README.en.md

@@ -296,14 +296,29 @@ The global config file is resolved in the following order; the **first existing
 | 4 | `~/.commit-checker.yml` (legacy, backward compatibility) |
 
 ```yaml
-# ~/.config/commit-checker/config.yml — minimal global config example
-comment_language:
-  locale: en
+# Global config example
+# macOS: ~/Library/Application Support/commit-checker/config.yml
+# Linux: ~/.config/commit-checker/config.yml
 commit_message:
   no_ai_coauthor: true
-  locale: en
+  no_unicode_spaces: true
+  no_ambiguous_chars: true
+  no_bad_runes: true
+  no_emoji: true
+  locale: ko
+
+  conventional_commit:
+    enabled: true
+    locale: en
+
+  language_check:
+    enabled: true
+    locale: ko
 ```
 
+- Set `COMMIT_CHECKER_GLOBAL_CONFIG` if you want to pin the global config path explicitly.
+- On macOS, `os.UserConfigDir()` resolves to `~/Library/Application Support/commit-checker/config.yml`, so that is the default global location.
+
 ### Per-directory policies (gitdir include)
 
 Conditional includes corresponding to git's `[includeIf "gitdir:..."]` are supported.

README.ja.md

@@ -295,14 +295,30 @@ git config set --global --append hook.commit-checker-msg.event commit-msg
 | 4 | `~/.commit-checker.yml`（legacy、後方互換） |
 
 ```yaml
-# ~/.config/commit-checker/config.yml — シンプルなグローバル設定の例
-comment_language:
-  locale: ja
+# グローバル設定の例
+# macOS: ~/Library/Application Support/commit-checker/config.yml
+# Linux: ~/.config/commit-checker/config.yml
 commit_message:
   no_ai_coauthor: true
-  locale: ja
+  no_unicode_spaces: true
+  no_ambiguous_chars: true
+  no_bad_runes: true
+  no_emoji: true
+  locale: ko
+
+  conventional_commit:
+    enabled: true
+    locale: en
+
+  language_check:
+    enabled: true
+    locale: ko
 ```
 
+- `COMMIT_CHECKER_GLOBAL_CONFIG` を使うと、グローバル設定ファイルの場所を明示的に固定できます。
+- macOS では `os.UserConfigDir()` が `~/Library/Application Support/commit-checker/config.yml` を返すため、これが既定のグローバル設定場所になります。
+- この例では、AI co-author の削除、Unicode 空白、紛らわしい文字、壊れた UTF-8、絵文字禁止を有効にし、Conventional Commits は英語タイプのみ、本文は韓国語で検査します。
+
 ### ディレクトリ別ポリシー（gitdir include）
 
 git の `[includeIf "gitdir:..."]` に対応する条件付き include をサポートします。

README.md

@@ -295,14 +295,29 @@ git config set --global --append hook.commit-checker-msg.event commit-msg
 | 4 | `~/.commit-checker.yml` (legacy, 하위 호환) |
 
 ```yaml
-# ~/.config/commit-checker/config.yml — 간단한 전역 설정 예시
-comment_language:
-  locale: ko
+# 전역 설정 예시
+# macOS: ~/Library/Application Support/commit-checker/config.yml
+# Linux: ~/.config/commit-checker/config.yml
 commit_message:
   no_ai_coauthor: true
+  no_unicode_spaces: true
+  no_ambiguous_chars: true
+  no_bad_runes: true
+  no_emoji: true
   locale: ko
+
+  conventional_commit:
+    enabled: true
+    locale: en
+
+  language_check:
+    enabled: true
+    locale: ko
 ```
 
+- `COMMIT_CHECKER_GLOBAL_CONFIG` 를 쓰면 전역 설정 파일 위치를 명시적으로 고정할 수 있습니다.
+- macOS에서는 `os.UserConfigDir()` 경로가 우선되어 `~/Library/Application Support/commit-checker/config.yml` 이 기본 전역 설정 위치가 됩니다.
+
 ### 디렉터리별 정책 (gitdir include)
 
 git 의 `[includeIf "gitdir:..."]` 에 대응하는 조건부 include 를 지원합니다.

README.zh.md

@@ -295,14 +295,30 @@ git config set --global --append hook.commit-checker-msg.event commit-msg
 | 4 | `~/.commit-checker.yml`（legacy，向后兼容） |
 
 ```yaml
-# ~/.config/commit-checker/config.yml — 简单的全局配置示例
-comment_language:
-  locale: zh
+# 全局配置示例
+# macOS: ~/Library/Application Support/commit-checker/config.yml
+# Linux: ~/.config/commit-checker/config.yml
 commit_message:
   no_ai_coauthor: true
-  locale: zh
+  no_unicode_spaces: true
+  no_ambiguous_chars: true
+  no_bad_runes: true
+  no_emoji: true
+  locale: ko
+
+  conventional_commit:
+    enabled: true
+    locale: en
+
+  language_check:
+    enabled: true
+    locale: ko
 ```
 
+- 如需显式固定全局配置文件位置，可使用 `COMMIT_CHECKER_GLOBAL_CONFIG`。
+- 在 macOS 上，`os.UserConfigDir()` 会解析到 `~/Library/Application Support/commit-checker/config.yml`，这是默认的全局配置位置。
+- 这个示例同时开启了 AI co-author 删除、Unicode 空白、易混淆字符、坏 UTF-8、emoji 禁止；Conventional Commits 仅允许英文 type，正文语言检查使用韩语。
+
 ### 按目录的策略（gitdir include）
 
 支持与 git 的 `[includeIf "gitdir:..."]` 对应的条件 include。