v0.3.0 — always-on memory, optional LLM refinement, web settings

Tier-1 snapshot: durable user preferences/facts inject at turn start (deduped, char-budgeted) so they apply immediately instead of waiting for a recall hit.

Optional LLM refinement: one auxiliary call distills raw memories into a structured skill (summary/steps/pitfalls). Off-switchable, follows the main model unless overridden, falls back to deterministic assembly on failure.

Safety: tar.gz backup before every archive/refine, plus skill_rollback to undo one.

Also: batch confirm for pending memories, zero-token outcome triage, and a web settings page (refine toggle + model picker, approval queue, stats) behind a same-origin loopback fence.

Tools 12 → 14.