feat(gitflow): delete a branch only after a verified merge, main/develop undeletable

Since BDR-095 `start` sets an auto-pushed upstream, so `git branch -d`
checked "merged into origin/<branch>" (always true, the post-commit hook
keeps it in sync) instead of "merged into develop". T22a proves it: an
unmerged feature with its upstream in sync is deleted by `-d` alone.

- `gitflow_delete` is the single delete path (finish + CLI `delete`):
  refuses main/develop (rc 6) and any branch that is not an ancestor of
  develop or main (rc 5, `gitflow_merged_into_base`, fail closed when
  neither base exists), then `-d` as a second layer. CLI `merged`, `hooks`.
- Fourth generated hook `reference-transaction`: in the `prepared` call,
  a deletion of refs/heads/main or refs/heads/develop exits 1, whatever
  issued it (branch -d/-D, update-ref -d, rename, script, sub-agent).
  `git config gitflow.protect false` opts a foreign clone out.
- `GITFLOW_HOOKS` is the one hook list: write/emit/reconcile, T19d and
  doctor.sh (`gitflow.sh hooks`) read it. `.githooks/` and `githooks/`
  regenerated with the fourth hook.
- settings.json: static deny on hand `git branch -d/--delete/-dr/-rd` and
  on renames of main/develop; hard_deny "Branch deletion by hand"; the
  Disarming entry covers all four hooks and `gitflow.*` config; the
  protected-branches environment line states the rule.
- Doctrine (CLAUDE.global.md gitflow section), gitflow SKILL (`delete`
  op, rc 5/6 rows, common mistake), guard-bash spec T8w flips to deny,
  SETTINGS.md, README, CHANGELOG.
- Tests: T22 (12) lib guard incl. the premise proof, T23 (11) hook;
  T19 covers the fourth hook. 152/154, the 2 failures are the
  pre-existing T16a (gitleaks absent on this host).

githooks/reference-transaction

@@ -0,0 +1,15 @@
+#!/bin/sh
+# gitflow reference-transaction — generated by gitflow_init. Do not hand-edit.
+# Refuses deleting (or renaming) main / develop, whatever the
+# command. Mirrors gitflow_protected_base (lib/gitflow.sh).
+[ "$1" = prepared ] || exit 0
+while read -r _old new ref; do
+  case "$ref" in refs/heads/main|refs/heads/develop) ;; *) continue ;; esac
+  case "$new" in *[!0]*) continue ;; esac     # new value not all-zeros → an update, not a deletion
+  # Per-repo opt-out (a foreign clone): git config gitflow.protect false
+  [ "$(git config --bool --default true gitflow.protect)" = false ] && exit 0
+  echo "gitflow reference-transaction: BLOCKED — deleting '$ref', a protected base." >&2
+  echo "  main and develop are never deleted or renamed. A merged working branch: gitflow.sh delete <branch>" >&2
+  exit 1
+done
+exit 0