docs(start-work): default to bundled test + feat commits per sub-task

Phase 3 commit-decomposition guidance + Phase 4 step 3 both now default to a single feat(scope): X with tests commit per sub-task rather than separate test: + feat: commits. Test + the code under test belong together for review — a reviewer sees the contract and the satisfaction in one diff instead of paging back and forth. Split into separate commits only when the test work is its own substantial review surface (characterization tests, fixture infrastructure, a new harness) or when the failing test serves as a deliberate bug-report artifact in a fix: narrative.

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