skills: add create-v2mom; extend add-tests with refactor-for-testability

New standalone create-v2mom skill (converted from the homelab
workflow template, markdown + YAML frontmatter, context-hygiene
references removed in favor of the global session-context protocol).

add-tests/SKILL.md gains a 'Core Principle — Refactor for Testability
First' section and three inserts into the phase instructions:
- Phase 1 flags testability-blocked functions during inventory
- Phase 2 surfaces refactor-first candidates per function
- Phase 3 adds a test-failure-vs-production-bug triage step

Sourced from the retired refactor.org homelab workflow (which was a
TDD-for-testability guide, not a general refactoring guide — general
refactoring is already covered by the /refactor slash command).

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