Add new template files

- .gitconfig.tmpl
    - it should be created into ~/.gitconfig to include global and environment file (it means /.gitconfig_global and [user home dir]/.gitconfig.[env name]
- .gitconfig_global.tmpl
    - it should be created into ~/.gitconfig_global
- .gitconfig.local.tmpl
    - it should be create into ~/.gitconfig.lobal for default user env
Change return value of method

- setUserHomeDir
    - it should return STRING of user home directory
Use absolute path for HOME directory
Update `gitconf init` command to create default files

- .gitconfig
    - it should only include other files
- .gitconfig.local
    - copy user settings if user already has .gitignore file
- .gitconfig_global
    - list utility settings (almost alias)