Add step 13 (Requirements Coverage Gate) to plan-phase workflow.
After plans pass the checker, verifies all phase requirements are
covered by at least one plan before declaring planning complete.
- Extracts REQ-IDs from plan frontmatter and compares against
phase_req_ids from ROADMAP
- Cross-checks CONTEXT.md features against plan objectives to
detect silently dropped scope
- Reports gaps with options: re-plan, defer, or proceed
- Skips when phase_req_ids is null/TBD (no requirements mapped)
Fixes#984
Co-authored-by: TÂCHES <afromanguy@me.com>