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/models/index.ts

@@ -3,6 +3,8 @@ export { OpenAIClient, type OpenAIClientConfig } from './openai.js';
 export { OllamaClient, type OllamaClientConfig } from './local/index.js';
 export { LlamaCppClient, type LlamaCppClientConfig } from './local/index.js';
 export { ModelRouter, type ModelRouterConfig, type ModelTier } from './router.js';
+export { withRetry, isRetryable, DEFAULT_RETRY_CONFIG, type RetryConfig } from './retry.js';
+export { estimateCost, MODEL_COSTS_PER_MILLION } from './costs.js';
 export type {
   Message,
   ChatRequest,