Add MCP server support and fix memory tools user isolation ...

MCP integration:
- New navi/mcp/ package: client, manager, config, tools
- ToolRegistry learns register_external() for MCP tools
- reload_tools reconnects MCP servers on hot reload
- New built-in mcp_status tool
- Startup/shutdown wiring for MCP connections
- 12 new tests (unit + integration with real stdio server)

Memory tools fix:
- memory, memory_save, memory_search, memory_forget now read
  current_user_id from tool context and pass it to MemoryStore
- Fixes invisible facts for authenticated users

Co-Authored-By: Claude Opus 4.7 <noreply@anthropic.com>

Wire pgvector semantic search into memory system ...

- Add vector(768) column + HNSW index to memory_facts

- Add LLMBackend.embed() with Ollama + fallback implementation

- MemoryStore: cosine-distance search with ILIKE fallback

- New memory tool params: source, confidence, expires_days, source_context

- Update extractor, sqlite_store, deps wiring

- Add pgvector to requirements

Co-Authored-By: Claude Opus 4.7 <noreply@anthropic.com>

Consolidate memory_search/save/forget into single memory tool ...

Three separate tools → one tool with action enum (save/search/forget/list).
Reduces tool-slot pressure; same functionality, same MemoryStore backend.

Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>