feat(start-work): add a spec-prerequisite check to the Approach gate

The Approach gate planned tests, migration, and commits but never asked whether the work needs a design spec it does not yet have. Added item 5: a spec is warranted for large or wide-surface work, unresolved design questions, or a new interface others build on. For a big task it is never a silent skip — the approach summary must state why no spec is needed, so the call is visible and challengeable at the gate. Small contained tasks pass without comment.

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