feat: add term_index inverted index for instant session search

Adds a term-based inverted index (term_index table, schema v7) that
eliminates LLM summarization from the default search path. The fast
path returns session metadata and match counts in ~1ms vs 10-15s for
the full FTS5+LLM pipeline.

Key changes:
- term_index table: (term, message_id, session_id) WITHOUT ROWID
  for clustered B-tree lookups. Populated at write time in
  append_message (best-effort, never blocks inserts).
- stop_words.py: 179-word NLTK English stop list, no stemming
- term_index.py: extract_terms() for term extraction
- session_search_tool.py: fast=True default, _fast_search for term
  index path, _full_search preserves original behavior, CJK query
  fallback to slow path
- Auto-reindex on v7 migration: _init_schema returns needs_reindex
  flag, __init__ calls reindex_term_index() after migration
- Swap strategy for reindex: builds into temp table, then atomic
  swap in single transaction (no empty-index window)
- get_child_session_ids(): public API replacing db._lock/db._conn
  access in _fast_search
- mode field in search results: 'fast' or 'full'
- Cascade deletes: clear_messages, delete_session, prune_sessions
  all clean term_index entries

Benchmarks on production DB (47.7 MB, 29,435 messages):
  - Term index reindex: 1,152,587 entries from 29,435 messages in 4s
  - Fast path: 1-4ms (no LLM)
  - Slow path: 10,000-16,000ms (FTS5 + LLM summarization)
  - Speedup: 4,000-15,000x on full round-trip

195 tests passing (48 term_index + 149 hermes_state).
12 regression tests from red-team QA covering: param binding,
child session resolution, cascade deletes, CJK fallback.

tests/test_hermes_state.py

@@ -1173,7 +1173,7 @@ class TestSchemaInit:
     def test_schema_version(self, db):
         cursor = db._conn.execute("SELECT version FROM schema_version")
         version = cursor.fetchone()[0]
-        assert version == 8
+        assert version == 9
 
     def test_title_column_exists(self, db):
         """Verify the title column was created in the sessions table."""
@@ -1229,12 +1229,12 @@ class TestSchemaInit:
         conn.commit()
         conn.close()
 
-        # Open with SessionDB — should migrate to v8
+        # Open with SessionDB — should migrate to v9
         migrated_db = SessionDB(db_path=db_path)
 
         # Verify migration
         cursor = migrated_db._conn.execute("SELECT version FROM schema_version")
-        assert cursor.fetchone()[0] == 8
+        assert cursor.fetchone()[0] == 9
 
         # Verify title column exists and is NULL for existing sessions
         session = migrated_db.get_session("existing")