test: add tool-inventory smoke test asserting the 23-tool surface

Every PR in the non-custodial-split series is supposed to preserve
`tools/list` returning 23 tools with identical schemas, but nothing
enforced it — PRs 2, 6, 7 and 8 will restructure and rename tool
families, and a snapshot only means something if it's taken before
that starts. Boot the built server, call listTools(), and assert both
the count and the exact sorted name list against a checked-in
baseline captured from a live run on this branch. Failures report
which names were added/removed rather than a bare array-diff.

Reuses startServer()/stopServer() from test/setup.ts; does not call
getMnemonic(), so it needs no wallet. Wired into CI as a new step
after the unit tests. Also raises the server-start timeout in
setup.ts from 15s to 60s — the Cardano WASM import makes cold starts
slow enough that 15s was flaky on the smoke test's first CI run.

test:smoke is intentionally separate from test:unit (which does not
build) since startServer() spawns build/index.js.

.github/workflows/ci.yml

@@ -29,3 +29,8 @@ jobs:
         run: npm run test:unit
         env:
           NODE_OPTIONS: --max-old-space-size=12288
+
+      - name: Tool inventory smoke test
+        run: npm run test:smoke
+        env:
+          NODE_OPTIONS: --max-old-space-size=12288