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>

home/brian/persona/wintermute/USER.md

@@ -0,0 +1,17 @@
+# USER.md — Brian
+
+*This file is Brian's profile. Fill in details over time.*
+
+---
+
+## About Brian
+
+(Add information here as you learn more about the user.)
+
+---
+
+## Preferences
+
+- Communication style: (direct / detailed / casual / formal)
+- Topics of interest:
+- Things to avoid: