perf(agent): avoid cloning working-tier records in consolidation add_memory

score_surprise only reads r.embedding by reference, so cloning every
Working-tier record's full chunk text + embedding Vec<f32> on every
add_memory call was wasted work, discarded immediately after use.
Collect Vec<&MemoryRecord> instead and change score_surprise's
signature to take &[&MemoryRecord].

INT-14

crates/clawhdf5-agent/src/consolidation.rs

@@ -118,7 +118,7 @@ impl ImportanceScorer {
 
     /// Novelty score: 1.0 − max cosine similarity against all existing records.
     /// Returns 1.0 when there are no existing memories.
-    pub fn score_surprise(embedding: &[f32], existing_memories: &[MemoryRecord]) -> f32 {
+    pub fn score_surprise(embedding: &[f32], existing_memories: &[&MemoryRecord]) -> f32 {
         if existing_memories.is_empty() {
             return 1.0;
         }
@@ -209,11 +209,10 @@ impl ConsolidationEngine {
         source: MemorySource,
         now: f64,
     ) -> u64 {
-        let working: Vec<MemoryRecord> = self
+        let working: Vec<&MemoryRecord> = self
             .records
             .iter()
             .filter(|r| r.tier == MemoryTier::Working)
-            .cloned()
             .collect();
 
         let surprise = ImportanceScorer::score_surprise(&embedding, &working);
@@ -464,7 +463,8 @@ mod tests {
             created_at: 0.0,
             source: MemorySource::User,
         }];
-        let score = ImportanceScorer::score_surprise(&emb, &existing);
+        let existing_refs: Vec<&MemoryRecord> = existing.iter().collect();
+        let score = ImportanceScorer::score_surprise(&emb, &existing_refs);
         assert!(score < 0.01, "expected ~0.0, got {score}");
     }