Adds two change proposals for implementing Slice 3 of the artifact POC:
1. restructure-schema-directories
- Move schemas from embedded TS objects to self-contained directories
- Each schema becomes a directory with schema.yaml + templates/
- Enables co-located templates for user extensibility
- 2-level resolution: user override → package built-in
2. add-instruction-loader (depends on #1)
- Load templates from schema directories
- Enrich templates with change context (dependencies, next steps)
- Format change status for CLI output
- New instruction-loader capability
These proposals complete Slice 3 from docs/artifact_poc.md.