fix(cli): show templates --schema flag in per-command help

[replygirl]

Summary

• `cospec templates --help` never showed its real `--schema ` flag (default `spec-driven`) — the `templates` entry in the `COMMANDS` table in `apps/cli/src/cli.ts` had no `options` field, so PR fix(cli): re-sync adopted gate on re-init and complete per-command help #25 ("complete per-command help") missed it.
• Added the missing `options` metadata for `templates`, matching the style of sibling passthrough entries (`schema`, `show`).
• Audited every other `COMMANDS` entry against its command module's actually-parsed flags; no other gaps found.
• `apps/docs/reference/commands.md` already documents `--schema ` (default `spec-driven`) correctly — no docs change needed.

Test plan

• Added regression test in `apps/cli/test/unit/cli.test.ts`: "templates --help lists its --schema flag" — asserts `cospec templates --help` stdout contains `--schema` and `spec-driven`.
• Observed `cospec templates --help` output directly: now prints `Command options:\n --schema Schema whose templates to list (default: spec-driven)`.
• `mise run check` passes (544 unit + 92 integration + 29 contract + 14 release tests, lint, format, typecheck, schema validate, agents:check, generate:check).
• cospec change `templates-help-schema-flag` (type `fix`) authored, validated `--strict`, gate applied, and archived as the final commit on this branch.

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