Self-Review Checklist:

- [X] I've reviewed my own diff for quality, security, and reliability
- [X] Unsafe blocks (if any) have justifying comments
- [X] The content is consistent with the [UI/UX
checklist](https://github.com/zed-industries/zed/blob/main/CONTRIBUTING.md#uiux-checklist)
- [X] Tests cover the new/changed behavior
- [X] Performance impact has been considered and is acceptable

Closes #57463

Release Notes:

- Fixed utf-8 parsing issues when loading skill frontmatter with
multi-codepoint graphemes (such as an emoji) crossing file chunk load
boundaries.