Two MCP enumeration paths in readActiveMcpServers now pass kind='mcp'
to estimateTokens with optional toolCount derived from def.tools array
(populated when callers cache MCP discovery — Step 14 wires that up).
Hook callers keep kind='item' (no schema overhead).
Visible effect: every active MCP server jumps from estimatedTokens=15
to >= 500 (or higher when toolCount is known). The whats-active output
and TOK hotspots now reflect actual MCP cost.
Tests: assert mcpServers[].estimatedTokens >= 500 in fixture.
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