feat(templates): add 3-tier memory templates (OpenClaw pattern)

scripts/templates/memory/SESSION-STATE.md

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+# Session State: {{AGENT_NAME}}
+
+> Hot working memory. Updated every turn. Read first on resume.
+
+## WAL Protocol
+
+**Write important details HERE before responding to the user.**
+This prevents data loss if the session crashes or context compacts mid-response.
+
+## Current Task
+
+- Task: [what you're working on right now]
+- Started: [timestamp]
+- Status: [in progress / blocked / waiting]
+- Key decision: [the most important choice made this session]
+
+## Context Window Usage
+
+- Estimated usage: [low / medium / high / DANGER ZONE]
+- If above 60%: activate Working Buffer below
+
+## Active Decisions
+
+| Decision | Choice | Reason | Reversible? |
+|----------|--------|--------|-------------|
+| | | | |
+
+## Pending Actions
+
+- [ ] [action 1]
+- [ ] [action 2]
+
+## Working Buffer
+
+> Activate when context usage exceeds 60%. Capture key exchanges here
+> before they are lost to compaction. This is your safety net.
+
+### Recent exchanges to preserve
+
+[Paste critical user messages and your key responses here when in the danger zone]
+
+### Key facts from this session
+
+[Extract and list facts that would be lost on compaction]
+
+## Compaction Recovery
+
+If you're reading this after a context compaction:
+1. Read this SESSION-STATE.md first (you're here)
+2. Read today's daily log: `memory/$(date +%Y-%m-%d).md`
+3. Read memory/MEMORY.md for long-term context
+4. Search daily logs for relevant prior context
+5. Resume from the Current Task and Pending Actions above