feat: wire agent.delegate tool with sub-agent configs

- Export createAgentDelegateTool through builtin/index.ts → tools/index.ts
- Register agent.delegate in routing.ts with lazy orchestrator pattern
- Add agent.delegate + agents.list to messaging and coding policy profiles
- Add group:agents tool group to policy.ts
- Add research/code/comms agent config examples to default.yaml
- Add research/code/comms agent configs to user config.yaml
- Add 11 tests for agent-delegate tool (all pass)
- Typecheck clean, no regressions

src/tools/policy.ts

@@ -45,6 +45,8 @@ const PROFILE_TOOLS: Record<ToolProfile, Set<string>> = {
     'k8s.pods',
     'k8s.deployments',
     'k8s.logs',
+    'agent.delegate',
+    'agents.list',
   ]),
   coding: new Set([
     'file.read',
@@ -96,6 +98,8 @@ const PROFILE_TOOLS: Record<ToolProfile, Set<string>> = {
     'browser.type',
     'browser.content',
     'browser.eval',
+    'agent.delegate',
+    'agents.list',
   ]),
   full: new Set(), // Special: matches everything
 };
@@ -116,6 +120,7 @@ export const TOOL_GROUPS: Record<string, string[]> = {
   'group:cron': ['cron.list', 'cron.trigger', 'cron.create', 'cron.delete'],
   'group:minio': ['minio.share', 'minio.ingest', 'minio.sync'],
   'group:k8s': ['k8s.pods', 'k8s.deployments', 'k8s.logs'],
+  'group:agents': ['agent.delegate', 'agents.list'],
 };
 
 /** Expand group references in a list of tool names/patterns. */