feat: add procedural tier to personal-assistant profile

[wtthornton]

Summary

The personal-assistant profile has 4 layers: identity / long-term / short-term / ephemeral. Missing: a procedural tier for how-to knowledge and recurring routines.

Problem

Certain personal memories don't fit existing tiers:

Memory	Why Current Tiers Don't Fit
"WiFi password at the cabin is X"	Not identity, not a preference (long-term), shouldn't decay in 7d (short-term)
"My gym routine: chest on Mon, legs on Wed"	Procedural knowledge, needs ~30d half-life
"To submit expense reports, go to portal.company.com"	How-to, not a preference
"The garage code is 4521"	Factual reference, should persist longer than short-term

Proposed Solution

Add a procedural layer between long-term and short-term:

layers:
  identity:
    half_life_days: 365
    decay_model: power_law
  long-term:
    half_life_days: 90
    decay_model: exponential
  procedural:          # NEW
    half_life_days: 30
    decay_model: exponential
    description: "Routines, how-to knowledge, recurring workflows, reference codes"
  short-term:
    half_life_days: 7
    decay_model: exponential
  ephemeral:
    half_life_days: 1
    decay_model: exponential

Impact

• Extraction patterns (see related issue) should map routine/how-to patterns to this tier
• No breaking change — existing memories stay in their current tiers
• New tier only affects new saves with explicit tier=procedural or auto-inferred

Effort

Small — YAML config change + update extraction tier inference + tests.

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