Split equipment table rows and add engine tests
The paragraph-break splitter as a final-resort chunking level means
individual weapon and armor entries (rapier, chain mail, etc.) now
surface in recall — they were buried in one big table chunk before.
Also adds engine unit tests (load_prompt, context building, style
injection) which gets coverage to 87%, and bumps the threshold to 85%.
Slow SRD recall tests are marked so they don't drag down the fast suite.
Co-Authored-By: Claude Opus 4.6 (1M context) <noreply@anthropic.com>