A Few Pages of Markdown: Committed AI Configuration and Lower Quality Cost after Coding-Agent Adoption

Coding agents increase development velocity but also technical debt. Prior work reports only average effects across adopters, hiding wide differences between teams. We introduce RAMP (Repository AI Maturity Profile), a four-level cumulative maturity model grounded in version-controlled artifacts that teams commit to configure AI tools. RAMP runs from behavioral rules and coding standards through named agent definitions to multi-agent orchestration, with observed practice concentrated in the first three levels. Across 441 repositories the levels behave as a cumulative scale, and independent human annotation reproduces RAMP's repository-level labels on 97% of a held-out sample. Adoption is cumulative, forward-only, and set-and-forget: 73.8% of artifacts are committed once and never modified. Re-estimating an existing agent-adoption panel within each stratum, agents accelerate development regardless of maturity (28-38% more commits), but quality diverges: among agent-first repositories, where the contrast is identified, those without committed AI configuration show roughly twice the increase in cognitive complexity (+53% versus +27%) and 1.7x the increase in static-analysis warnings. Because maturity is observational, correlated engineering discipline or model capability may explain part of the gap; we present these findings as hypothesis-generating and release RAMP as a reusable instrument.