chore: dev loop prompt rewrite + branch safety + tox conventions

- timmy-loop-prompt.md: full rewrite (76→209 lines) with PR-only workflow,
  tox environments, git hooks, Kimi dispatch safety block, conventional commits
- kimi-code skill: added Branch & Convention Safety section
- memories/MEMORY.md: updated with branch protection notes
- config.yaml: removed dead kimi API key
- cron/jobs.json: updated scheduled jobs
- channel_directory.json: minor update
- .gitignore: exclude queue/ and *.db

config.yaml

@@ -187,8 +187,6 @@ custom_providers:
   api_key: ollama
   model: NousResearch/Hermes-4.3-36B
 fallback_model:
-- provider: kimi-coding
-  model: kimi-k2.5
 - provider: custom
   model: qwen3:30b
   base_url: http://localhost:11434/v1