feat(workflows): skeptical review gate for inbox change proposals

The value gate asks whether to take an inbox item, never whether the proposed change is right. process-inbox gains a Skeptical Review for proposals that change shared assets: a written question battery (fit for all consumers, conflicts elsewhere, effect on common activities, enhancement, simplification, plus at least three change-specific questions), ending in a summary and recommendation Craig approves before the change lands. In a no-approvals session, behavior-changing proposals park instead of self-applying: prepared diff in working/, a [#B] VERIFY carrying the decision package, a reply to the sender. Wording-only fixes proceed, logged.

monitor-inbox's act-vs-file rule and protocols.org's act-now line gain the matching exception so all three statements of the rule agree. protocols.org's tables picked up the org-table-standard reflow in the same pass.

The motivating case is today's spec-decisions handoff. I applied it as-is, and the after-the-fact review surfaced a lost state and a vacuous gate pass the battery would have caught up front.

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