Add CI-parity local coverage gate script

[negillett]

Summary

• Add scripts/run-coverage-gate.sh mirroring the repository CI coverage job.
• Lets agent precommit checkpoints enforce the 95% threshold before push.

Test plan

• bash scripts/run-coverage-gate.sh
• bash <planning>/scripts/run-quality-gates.sh . (coverage threshold gate)

Review

• Script matches CI package exclusions and threshold wiring.
• No production runtime behavior changes.

[cursor]

PR Summary

Low Risk
Low risk: adds a standalone developer script and does not change application/runtime code paths. Only potential impact is developer workflow if the script is used and fails due to local env/venv differences.

Overview
Adds scripts/run-coverage-gate.sh to run pytest locally and then enforce the same 95% coverage threshold as CI by invoking scripts/check-coverage.sh. The script prefers a repo-local .venv Python when present to better match CI/developer environments.

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[cursor]

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