t3-provision-users: vendor agent skills + per-user install_skills (emo)

Make the admin's Claude Code agent skills available to the `emo` devvm user.
Viktor asked to install Matt Pocock's skills for emo, starting with grill-me
but covering the full set the admin already uses.

The `npx skills` upstream has drifted off that set (diagnose -> diagnosing-bugs
and write-a-skill -> writing-great-skills were renamed; caveman + zoom-out are
no longer published), so reproducing it via npx is impossible and would also
spray ~70 agent dirs into the user's home + add a GitHub-clone + unpinned-CLI
dependency to the hourly root reconcile. Instead vendor a point-in-time
snapshot of the 16 skills (scripts/workstation/claude-skills/) and copy them
per-user, mirroring install_memory: install_skills() copies each skill into
~/.agents/skills/<name> (owned by the user) and symlinks
~/.claude/skills/<name> -> ../../.agents/skills/<name>. if-absent, additive,
best-effort, scoped to the SKILL_USERS allowlist (emo).

find-skills is from vercel-labs/skills (not Matt Pocock) but included since it
is part of the admin's current set.

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>

scripts/workstation/claude-skills/tdd/refactoring.md

@@ -0,0 +1,10 @@
+# Refactor Candidates
+
+After TDD cycle, look for:
+
+- **Duplication** → Extract function/class
+- **Long methods** → Break into private helpers (keep tests on public interface)
+- **Shallow modules** → Combine or deepen
+- **Feature envy** → Move logic to where data lives
+- **Primitive obsession** → Introduce value objects
+- **Existing code** the new code reveals as problematic