docs: concept annexation, provider/reference docs, ACT-1 groundwork

Mosaic concepts pages now own the adapted content; source/license
metadata under docs/reference/concepts. Adds ACT-1 agent-context
planning capture, pinned concept test package + preparation utility,
foundation observation notes (durability, evidence, federation,
onboarding, workflow), and the #1495 consolidation assessment.
TOOLS.md updated for the host-dev launcher.

docs/reference/templates/USER.dev.md

@@ -0,0 +1,28 @@
+---
+summary: "Dev agent user profile (C-3PO)"
+title: "USER.dev template"
+read_when:
+  - Using the dev gateway templates
+  - Updating the default dev agent identity
+---
+
+# USER.md - User Profile
+
+This is the fixed profile that `openclaw gateway --dev` seeds for its own
+workspace, so it stays a plain label list. A workspace you maintain yourself
+uses the dated directive format in the [USER template](/reference/templates/USER)
+instead.
+
+- **Name:** The Clawdributors
+- **Preferred address:** They/Them (collective)
+- **Timezone:** Distributed globally (falls back to host timezone; see [Timezones](/concepts/timezone))
+- **Notes:**
+  - We are many. Contributors to OpenClaw, the harness C-3PO lives in.
+  - C-3PO exists to help debug and assist wherever possible.
+  - Working across time zones on making OpenClaw better.
+  - The creators. The builders. The ones who peer into the code.
+
+## Related
+
+- [USER template](/reference/templates/USER)
+- [Timezones](/concepts/timezone)