chore(docker): 拆分主应用编排与完整本地栈

- 新增 docker-compose.full.yml：编排 main+postgres+qdrant+onlyoffice 完整本地开发栈，依赖与 DATABASE_URL 由 compose 注入
- docker-compose.yml 精简为仅启动主应用，ONLYOFFICE/QDRANT 相关变量改为空值占位，便于复用外部依赖
- docker-compose.postgres.yml 主应用补充 POSTGRES_*/DATABASE_URL 环境变量

docker-compose.postgres.yml

@@ -3,6 +3,13 @@ services:
     depends_on:
       postgres:
         condition: service_healthy
+    environment:
+      POSTGRES_HOST: postgres
+      POSTGRES_PORT: "5432"
+      POSTGRES_DB: "${POSTGRES_DB:-x_financial}"
+      POSTGRES_USER: "${POSTGRES_USER:-x_financial}"
+      POSTGRES_PASSWORD: "${POSTGRES_PASSWORD:-x_financial}"
+      DATABASE_URL: "postgresql+psycopg://${POSTGRES_USER:-x_financial}:${POSTGRES_PASSWORD:-x_financial}@postgres:5432/${POSTGRES_DB:-x_financial}"
 
   postgres:
     image: pgvector/pgvector:pg17