docs: add init.el load-graph and utility-consolidation specs

I added two sibling design specs in `docs/design/`:

`init-load-graph.org` covers untangling `init.el` from its current "everything eager in a fixed order" shape. It defines a layered architecture (early-init / foundation / core UX / domain workflow / optional), a module category table for every required file, a per-file commentary header standard with seven required lines, a six-phase migration plan with exit criteria, and a testing strategy split into automated batch checks, manual smoke checks, and startup performance baselines via `benchmark-init`.

`utility-consolidation.org` is the sibling project. It covers extracting reusable helpers from feature modules into `system-lib.el` and a small set of topic libraries (`cj-process.el`, `cj-org-text.el`, `cj-cache.el`). It includes a candidate decision criteria section, a library file header standard with worked example, a candidate extraction table with priorities and proposed names, nine helper groups with API plus behavior contracts, naming rules, migration phases, test relocation policy, and a recommended first-three-commits sequence.

Both specs are draft. No code change in this commit. The two projects are intentionally separated because the load-graph project asks "when does this load?" and the consolidation project asks "who owns this helper?". Those are different questions with different rollback shapes.

Implementation tracking lives in `todo.org`.

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