fix: keep read-only MCP tools responsive

[ScriptedAlchemy]

This PR stacks on #130. Review commit/diff against split/self-improving-04-dashboard-ui.

Summary

• Document self-improving loop contracts and dashboard integration notes.
• Update dashboard and dashboard-port handoff docs.
• Refresh README, CONTRIBUTING, Cursor plugin, Kiro integration, and dashboard API audit notes.
• Prevent read-only MCP tools from blocking behind lazy project-wide sync walks, so diagnostics/search stay responsive on very large indexes such as projects indexed with node_modules.

Root cause

Read-only MCP calls could create/open a project server and trigger a startup or pre-dispatch staleness sync. On huge indexes this meant simple calls like tracedecay_storage_status or tracedecay_search could spend minutes walking the filesystem and holding the sync lock before returning any result.

Verification

• cargo test --lib read_only_tools_skip_lazy_sync_before_dispatch
• cargo test --test mcp_handler_test wait_for_startup_catch_up_waits_for_transcript_ingest_flag
• cargo test --test multi_mcp_coordination_test
• git diff --check

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