- Convert skills summary from verbose XML (4-5 lines/skill) to compact
markdown list (1 line/skill) with inline path for read_file lookup
- Exclude always-loaded skills (e.g. memory) from the skills index to
avoid duplicating content already in the Active Skills section
- Skip injecting the Memory section when MEMORY.md still matches the
bundled template (i.e. Dream hasn't populated it yet)
