rc: use a separate *-insert hook to auto-insert comments

This should cover all filetypes that already auto-insert comments,
except for rust.kak, which is left for a follow-up.

Most of these are straightforward, some explanation for special cases:

rc/filetype/zig.kak rc/filetype/cue.kak

  These indent hooks used their own logic to indent after "{" only if
  no comment was inserted. Replace this logic by checking if a comment
  was inserted. This works because these "*-insert" hooks are run
  before their respective "*-indent" hooks.
 
rc/filetype/php.kak

  This also has some logic to insert "*" after "/*" lines. Basic
  usage seems to work still. In future this should borrow from the
  c-family one, which works a bit better.

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