Refactor skill loading protocol in copilot-instructions
Clarified session setup: only two reactive skills are pre-loaded, with three user-gated skills now lazy-loaded on demand. Updated documentation to add "AUTHORITY, RULE SCOPE, AND SKILL INVOCATION" section, revised skill trigger descriptions, and adjusted `[LOADED_DOCS: ...]` prefix logic. Documented docs-archive as a lazy-loaded skill. Added settings.local.json for local file removal permissions. No code logic changes—documentation and protocol only.
Loretta
d7d6a60c9d