feat(settings): replicate the WorkBuddy personalization panel and wire identity, tone and prompts (TODO 13)

Recover the WorkBuddy 5.8.3 个性化 page from REA evidence (PersonalizationPanel-D16rRGjy.css + tokens): 45 module rules plus scoped light/dark tokens, the five-card 1160px layout (identity card 638x100 with inline editors, reply preference card 638x204, three 638x264 long-text cards with 598x160 previews) and the 640x520 editor modal.

Persist identity, tone, welcome tips, custom instructions, persona and long-term memory in config.json, expose personalization:get/update over IPC, and append the resulting personalization context to each turn's prompt for both the OMP and built-in kernels. Wire 欢迎语 to the streaming loading tips and keep 显示文件修改过程 visibly disabled because YCode has no incremental file-change renderer yet.

Verify with scripts/verify-personalization-settings.cjs: 29 assertions covering geometry, tone options, switches, inline identity editing with blur-discard, editor modal save/cancel, config persistence, reopen, dark surfaces and no renderer errors. Add a pure prompt-builder regression and keep every existing settings regression green.

scripts/verify-settings-nav.cjs

@@ -125,10 +125,10 @@ if (!process.versions.electron) {
     // 原版 4 组；about 组按组件约定渲染为分隔线而不是标题。
     check('nav keeps the four recovered groups', [nav.groups.length, nav.dividers], [3, 1])
     // 通用(settings) 在 TODO 10 接入后同样可用。
-    const expectedDisabled = EXPECTED_TABS.filter(tab => !['settings', 'models', 'appearance', 'keyboardShortcuts'].includes(tab))
+    const expectedDisabled = EXPECTED_TABS.filter(tab => !['settings', 'models', 'appearance', 'keyboardShortcuts', 'personalization'].includes(tab))
     check('unwired entries stay disabled', nav.tabs.filter((tab, index) => nav.disabled[index] === 'true'), expectedDisabled)
     check('unwired entries keep the 暂未接入 hint', nav.titles.filter(title => (title ?? '').includes('暂未接入')).length, expectedDisabled.length)
-    check('settings, appearance, keyboard shortcuts and models stay enabled', nav.tabs.filter((tab, index) => !nav.disabled[index]), ['settings', 'appearance', 'keyboardShortcuts', 'models'])
+    check('settings, appearance, keyboard shortcuts, personalization and models stay enabled', nav.tabs.filter((tab, index) => !nav.disabled[index]), ['settings', 'appearance', 'keyboardShortcuts', 'personalization', 'models'])
 
     await step('settings-search-excludes-removed')
     await read(`(()=>{const input=document.querySelector('.settings-navigation input[type="search"]');