v0.4.0 — Digest templates + digest subagent

v0.4.0

Added

• Built-in digest templates — meeting-minutes, key-summary (the default digest, structure moved from SKILL.md into the template), analysis-report; the conversational digest prompt now lists the template menu
• User templates — drop a markdown file in ~/.config/audio-tldr/templates/: same name overrides a built-in, a new name extends the menu; a format described in conversation can be saved as a reusable template
• Digest via subagent — on platforms with subagents the Phase 2 digest runs on a cheaper model by default (Claude Code: sonnet; Codex: GPT-5.6 Terra); new digest_model preference (a model name pins it, off = digest inline); falls back to inline digesting when dispatch is unavailable
• README (en + zh-TW): Digest templates section, digest_model row, update-safety note
• 9 new offline template tests (63 total); transcribe.py unchanged

Your preferences, custom templates (~/.config/audio-tldr/), and cache live outside the skill folder — updating never touches them.