hermes - 💡(How to fix) Fix [Feature]: Align bg-review's bundled/pinned skill handling with the curator

Problem or Use Case

Two writer systems govern the same skill files with inconsistent rules:

Same target files, two policies. Today this means bundled skills like hermes-agent are protected from the 7-day curator but get freely rewritten by bg-review on every qualifying session. Users discovering pin via hermes curator pin reasonably expect protection from automated edits — but bg-review ignores it.

Proposed Solution

Add a bundled/pinned filter to spawn_background_review_thread (agent/background_review.py) or at the call site in agent/conversation_loop.py:3981-3989. Default to the same allow/deny rules as curator.py. Add a config knob (skills.bg_review_includes_bundled: false) for users who want the old behavior.

Alternatives Considered

• Document the asymmetry in user-guide/features/skills.md and update hermes curator pin --help to clarify that pin does not cover bg-review. Cheaper but leaves the surprising behavior in place.
• Add bg-review-specific markers (per the companion issue on per-skill opt-out flags) — solves part of the problem but does not restore consistency between the two writer systems.

Feature Type: Configuration option Scope: Medium