feat(workflows): promote no-approvals.org to template, merge pearl framing

Pearl independently built its own no-approvals workflow (handoff in this
morning's inbox) and asked rulesets to take the best from both. That's
cross-project signal that the workflow earns a place at the template tier.

Promoted from =.ai/project-workflows/= to =claude-templates/.ai/workflows/=
with a mirror under =.ai/workflows/=. INDEX entry added under "Tools and
meta" listing the full set of trigger phrases.

Merged from pearl's draft: the prominent "What's Suspended" / "What Stays
On" split (same content as the prior "Contract" section, easier to scan),
wider trigger phrases (the project-only version had fewer), the
mode-resets-when-Craig-switches-topics guard, an explicit destructive-action
carve-out as its own bullet rather than buried in the "real question"
section, and a subagent-review-gate callout.

Kept from the rulesets version: the Session Log update emphasis between
items, the real-question include/exclude lists, and the don't-auto-wrap-up
guard.

A History section at the bottom records the merge for future archaeology.

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