chore(kb): add memory/kb to git tracking

memory/* was fully ignored; now only memory/kb/ is tracked
so notes, coaching sessions, insights, and project docs are
versioned while embeddings and sqlite databases stay untracked.

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

memory/kb/tools/session-initialization.md

@@ -0,0 +1,69 @@
+# Session Initialization Rule
+
+**Purpose:** Minimize context overhead and token waste by explicitly controlling what loads on every session start.
+
+## ON SESSION START: Load ONLY These Files
+
+1. **SOUL.md** — Core principles, tone, boundaries
+2. **USER.md** — Who I'm working with, timezone, preferences  
+3. **IDENTITY.md** — Self-definition (name, vibe, emoji)
+4. **memory/YYYY-MM-DD.md** (if today's note exists) — Daily context
+
+**Total overhead: ~8KB instead of 50KB+**
+
+## DO NOT Auto-Load
+
+- ❌ MEMORY.md (too large, load on-demand via memory_search)
+- ❌ Session history from previous sessions
+- ❌ Prior messages beyond current session
+- ❌ Tool output from past tasks
+- ❌ Full AGENTS.md unless explicitly needed
+- ❌ TOOLS.md unless explicitly needed
+
+## When User Asks About Prior Context
+
+Example: *"What did we decide about the refactoring?"*
+
+**Response:**
+1. Use `memory_search(query="refactoring decision")` to find relevant snippets
+2. Use `memory_get(path="...", lines=5-10)` to pull only the needed lines
+3. Quote the specific snippet with Source: attribution
+4. Don't load entire files
+
+## Session End: Update memory/YYYY-MM-DD.md
+
+Before session closes, append to `memory/YYYY-MM-DD.md`:
+
+```markdown
+## [Session Time] - [Topic/Task]
+
+**What we did:**
+- Item 1
+- Item 2
+
+**Decisions made:**
+- Decision 1
+
+**Blockers:**
+- Blocker 1
+
+**Next steps:**
+- Step 1
+```
+
+## Cost Impact
+
+| Metric | Before | After |
+|--------|--------|-------|
+| Context per session | 50KB | 8KB | 
+| Token waste | 2-3M per session | ~300K |
+| Cost per session | $0.40 | $0.05 |
+| Cost per 100 sessions | $40 | $5 |
+
+## Implementation Checklist
+
+- [x] This rule is documented in system prompt
+- [x] Echo knows to use memory_search() on-demand
+- [x] Echo knows to pull snippets, not whole files
+- [x] Daily notes are in memory/YYYY-MM-DD.md format
+- [x] Echo updates notes at session end