Story 27: Coverage tracking (full-stack)

Add end-to-end coverage tracking: backend collects vitest coverage,
records metrics with threshold/baseline tracking, and blocks acceptance
on regression. Frontend displays coverage in gate/review panels with
a "Collect Coverage" button. Includes 20 Rust tests, 17 Vitest tests,
and 14 Playwright E2E tests.

Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>

.ignore

@@ -0,0 +1,2 @@
+# Prevents cargo watch from restarting the server when frontend files change
+frontend/