feat(workflows): add process-inbox.org with value-gate discipline

Generic process-inbox workflow at claude-templates/.ai/workflows/ and
mirror. Owns inbox discipline across every project: items are ideas to
evaluate, not orders to execute, and earn a place in todo.org or git
history only when they pass a three-question value gate.

The gate (Phase B):
- Advances an existing TODO (look up by topic).
- Improves how the project works (architecture, workflows, tooling,
  rule hygiene).
- Serves the project's stated mission (read from notes.org
  Project-Specific Context).

One yes accepts. Three nos reject.

Per-source rejection flow (Phase D):
- From Craig: state in chat, wait for override.
- From another project: write a response via inbox-send naming which
  gate question failed plus any reconsideration condition. Silent
  rejection on a handoff is worse than no reply.
- From a script or automated system: just delete.

Phase B.1 gates filing on priority-scheme presence. If todo.org has a
scheme at the top, file with cookie + mandatory type tag + optional
effort/autonomy tags. If not, surface a one-sentence nudge to adopt
one (or to skip grading and flag the gap in the commit).

Phase D within accepts splits implement-now / fold-into-existing /
file-as-TODO so the inbox doesn't default to inflating todo.org for
every item that passes the gate.

Phase E stamps :LAST_INBOX_PROCESS: in notes.org Workflow State if the
section exists.

startup.org Phase C step 2 now delegates here instead of inlining the
inbox-processing language. INDEX entry under Tasks and planning lists
the full set of trigger phrases.

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