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/daemon/index.ts

@@ -1,7 +1,7 @@
 import { Lifecycle } from './lifecycle.js';
 import type { Config, ModelConfig } from '../config/index.js';
-import { AnthropicClient, OpenAIClient, OllamaClient, LlamaCppClient, ModelRouter } from '../models/index.js';
-import type { ModelClient } from '../models/index.js';
+import { AnthropicClient, OpenAIClient, OllamaClient, LlamaCppClient, ModelRouter, DEFAULT_RETRY_CONFIG } from '../models/index.js';
+import type { ModelClient, RetryConfig } from '../models/index.js';
 import { AgentOrchestrator, type DelegationConfig } from '../backends/index.js';
 import { SessionStore, SessionManager } from '../session/index.js';
 import { HookEngine } from '../hooks/index.js';
@@ -14,9 +14,10 @@ import { CronScheduler } from '../automation/index.js';
 import type { InboundMessage, OutboundMessage } from '../channels/index.js';
 import { McpManager } from '../mcp/index.js';
 import { SkillRegistry, SkillInstaller, loadAllSkills } from '../skills/index.js';
+import { assembleSystemPrompt } from '../prompt/index.js';
 import { resolve } from 'path';
 import { homedir } from 'os';
-import { mkdirSync, readFileSync, existsSync } from 'fs';
+import { mkdirSync } from 'fs';
 
 export interface DaemonContext {
   config: Config;
@@ -34,21 +35,23 @@ export interface DaemonContext {
   skillInstaller: SkillInstaller;
 }
 
-function loadSystemPrompt(): string {
-  // Try to load SOUL.md from working directory first, then from project root
-  const paths = [
-    resolve(process.cwd(), 'SOUL.md'),
-    resolve(import.meta.dirname, '../../SOUL.md'),
+function loadSystemPrompt(config: Config): string {
+  const searchDirs = [
+    process.cwd(),
+    resolve(import.meta.dirname, '../..'),
+    ...(config.prompt.search_dirs ?? []),
   ];
 
-  for (const soulPath of paths) {
-    if (existsSync(soulPath)) {
-      return readFileSync(soulPath, 'utf-8');
-    }
+  const result = assembleSystemPrompt({
+    searchDirs,
+    extraSections: config.prompt.extra_sections,
+  });
+
+  if (result.loadedFiles.length > 0) {
+    console.log(`Loaded prompt templates: ${result.loadedFiles.map(f => f.split('/').pop()).join(', ')}`);
   }
 
-  // Fallback if SOUL.md not found
-  return 'You are Flynn, a helpful personal AI assistant. Be direct, concise, and helpful. Use markdown when it improves readability.';
+  return result.prompt;
 }
 
 /**
@@ -125,12 +128,26 @@ function createModelRouter(config: Config): ModelRouter {
   console.log(`Model router: default=${models.default.provider}/${models.default.model}, ` +
     `fallback=[${models.fallback_chain.join(', ')}]`);
 
+  // Build retry config if enabled
+  const retryConfig: RetryConfig | undefined = config.retry.enabled ? {
+    maxRetries: config.retry.max_retries,
+    initialDelayMs: config.retry.initial_delay_ms,
+    backoffMultiplier: config.retry.backoff_multiplier,
+    maxDelayMs: config.retry.max_delay_ms,
+    nonRetryablePatterns: DEFAULT_RETRY_CONFIG.nonRetryablePatterns,
+  } : undefined;
+
+  if (retryConfig) {
+    console.log(`Retry policy: max_retries=${retryConfig.maxRetries}, initial_delay=${retryConfig.initialDelayMs}ms`);
+  }
+
   return new ModelRouter({
     default: defaultClient,
     fast: fastClient,
     complex: complexClient,
     local: localClient,
     fallbackChain,
+    retryConfig,
   });
 }
 
@@ -210,6 +227,33 @@ function createMessageRouter(deps: {
         }
         return;
       }
+      if (msg.metadata.command === 'usage') {
+        const usage = agent.getUsage();
+        const lines = [
+          '**Token Usage**',
+          '',
+          `Primary: ${usage.primary.inputTokens.toLocaleString()} in / ${usage.primary.outputTokens.toLocaleString()} out (${usage.primary.calls} calls)`,
+        ];
+
+        const delegationEntries = Object.entries(usage.delegation);
+        if (delegationEntries.length > 0) {
+          lines.push('');
+          lines.push('Delegation:');
+          for (const [tier, stats] of delegationEntries) {
+            lines.push(`  ${tier}: ${stats.inputTokens.toLocaleString()} in / ${stats.outputTokens.toLocaleString()} out (${stats.calls} calls)`);
+          }
+        }
+
+        lines.push('');
+        lines.push(`**Total:** ${usage.total.inputTokens.toLocaleString()} in / ${usage.total.outputTokens.toLocaleString()} out (${usage.total.calls} calls)`);
+
+        if (usage.total.estimatedCost > 0) {
+          lines.push(`**Estimated cost:** $${usage.total.estimatedCost.toFixed(4)}`);
+        }
+
+        await reply({ text: lines.join('\n'), replyTo: msg.id });
+        return;
+      }
     }
 
     try {
@@ -331,7 +375,7 @@ export async function startDaemon(config: Config): Promise<DaemonContext> {
   const modelRouter = createModelRouter(config);
 
   // Load system prompt and append skill instructions
-  let systemPrompt = loadSystemPrompt();
+  let systemPrompt = loadSystemPrompt(config);
   const skillAdditions = skillRegistry.getSystemPromptAdditions();
   if (skillAdditions) {
     systemPrompt = `${systemPrompt}\n\n# Available Skills\n\n${skillAdditions}`;