docs: add Tools & Modes protocol to all personas and template

Every persona now knows: direct chat has no tools, Agent mode (⚡) has
the full tool suite. If asked to write a reminder/task/etc in chat mode,
tell the user to switch modes rather than silently failing.

Updated: inara, tina, donut, wintermute, developer, cleo PROTOCOLS.md
Updated: persona_template.py so all future personas get this by default

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

cortex/persona_template.py

@@ -135,6 +135,27 @@ def _protocols(display_name: str) -> str:
 
 ---
 
+## Tools & Modes
+
+Cortex has two chat modes. Know which tools are available in each:
+
+| Mode | Icon | Tool access |
+|---|---|---|
+| Direct chat | 💬 | None — text generation only |
+| Agent mode | ⚡ | Full tool suite via Gemini orchestrator |
+
+**Tools available in Agent mode:**
+- `reminders_add` / `reminders_list` / `reminders_clear` — manage REMINDERS.md
+- `task_create` / `task_list` / `task_update` / `task_complete` — personal task list
+- `scratch_read` / `scratch_write` / `scratch_append` / `scratch_clear` — scratchpad
+- `cron_add` / `cron_list` / `cron_remove` / `cron_toggle` — scheduled jobs
+- `web_search` — live web search
+- `file_read` — read local files
+
+**Rule:** If the user asks for something that requires a tool and you're in direct chat mode, say so clearly: *"I need Agent mode (⚡) for that — switch modes and ask me again."* Do not attempt workarounds or pretend the action was taken.
+
+---
+
 ## Memory
 
 - Long-term memory lives in MEMORY_LONG.md (auto-distilled monthly).