Add a commit message template

Using the `commit.template` setting, read in a commit message template
for each commit. This template is commented out so the commit message
author doesn't need to delete it.

The template serves as a reminder on how to write a better commit
message. The bullets are taken from Caleb's blog post[1]. There is no
_problem_ per se -- we are writing good messages these days -- but it's
handy to be reminded of things to think about. For example, people often
forget to note whether there are any side effects.

This message does not show on `git commit --amend`, only normal `git
commit`.

[1] http://bit.ly/13HWyiy