Ovidiu U d13a29df01 docs: amend prediction rebuild spec with implementation defaults and changelog v3
Adds two sections to the spec:
- Implementation defaults: pins the four open decisions settled before
  Phase 1 (naive baseline = zero-change, math = inline pure PHP,
  coefficients on the backtests row, BEIS retrain = manual CSV + cron)
  plus the namespace, scaler, and Pest conventions.
- Changelog v3: records the verdict-via-rule-gates architecture (gates
  not multipliers), removal of weeks_since_duty_change as a feature,
  lower 62% backtest gate, structural leak detector promoted to primary.

Captured here so a future session can resume implementation without
re-deriving them.

Co-Authored-By: Claude Opus 4.7 (1M context) <noreply@anthropic.com>
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