home: cut Pulse skills to owner-wide storage (Lode B)
Rewrites _collect_skills() to read journal/skills/ directly; drops
the per-facet walk and the legacy skill_generated flag. Returns the
new shape (slug, description, category, confidence, status, facets,
first_seen, last_seen), excludes retired patterns and patterns
without a profile markdown, sorts by confidence desc then last_seen.
Threads status through both the Jinja card block and the
refreshSkills() JS builder, appending " (dormant)" to dormant
cards. test_home_skills.py migrates to owner-wide fixtures with
dormant-visible and retired-hidden coverage.
Part of Lode B of the skills-observer-editor refactor.