feat: add P2 features — retry policy, prompt templating, usage tracking, tech debt cleanup

- Extract shared splitMessage() into channels/utils.ts (dedup 4 adapters)
- Add Slack user name resolution with caching (users.info API)
- Add withRetry() with exponential backoff + jitter, isRetryable() filter
- Wire retry config into ModelRouter.chat() (non-streaming only)
- Add assembleSystemPrompt() multi-file template system (SOUL/AGENTS/IDENTITY/USER/TOOLS.md)
- Add usage tracking accumulators in NativeAgent + AgentOrchestrator
- Add estimateCost() with per-model pricing table
- Add /usage TUI command with full usage report formatting
- Add retrySchema and promptSchema to config schema

Tests: 569 passing, typecheck clean

src/backends/index.ts

@@ -5,6 +5,7 @@ export {
   type SubAgentRequest,
   type SubAgentResult,
   type DelegationConfig,
+  type UsageReport,
 } from './native/index.js';
 export {
   COMPACTION_SYSTEM_PROMPT,