v0.4.0 — the evolution loop, closed

Ties the pieces into a loop: an auto-grown user profile from confirmed preferences, per-skill style overlays that adapt output without ever rewriting the underlying SKILL.md (so clearing one restores vanilla), per-turn snapshot collection throttled by turn index rather than a timer, convergence suggestions on turn end, and overlays injected on skill load.

Also polishes retrieval: filler-word filtering, RRF surfacing single-list hits, quiet degradation when SQLite is missing.

Tools 14 → 19.