init: nudge into a policy flow — preset picker or quiz-built custom policy

[BriantAnthony]

Follow-up to the platinum init rework (0.6.1, PR #12): vaibot init should nudge the user into a policy step instead of leaving governance posture implicit.

Two paths:

1. Preset picker — surface the existing --preset permissive|balanced|strict (INIT_PRESET_FLAVORS / apply_preset_at_init) as an interactive y/n-gated step in the flow, not a flag most users never discover.
2. Quiz — a short set of questions (what agents do you run? how much autonomy? what should always require approval?) that compiles into a customized enforcement policy submitted via the declarative /v2/policy/apply.

Constraints:

• Policy model is locked: 3 lanes (allow/ask/deny), system floor + user-floor preset — the quiz compiles to that model, no new policy surface.
• Follow the platinum init conventions: y/n gate with confirm(), best-effort (never abort init), outcome recorded in the end-of-init summary line.
• Natural slot: right after the Guard step, so 'floor chosen → enforced' happens on the guard's first policy fetch.

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