stay-on-target's 04-clarify/05-plan cause excessive ceremony gates and premature clarifying questions

Read 03-prior-art.md, 04-clarify.md, 05-plan.md, and 06-verify.md, then compare their ordering and gates with the cited session-history query findings. Done means the workflow investigates before asking when possible and avoids confirmation ceremony for reversible, trivial work while preserving behavior for genuinely blocked or risky changes.

stay-on-target's SessionStart hook unconditionally injects "Focused Development Mode" into every session, via 04-clarify.md and 05-plan.md. Two concrete problems, backed by a 2026-06-10 query over session history (cq):

1. Ceremony gates. The annoying tail of AskUserQuestion volume (17-87/day in one project) is not legitimate design forks, it's ceremony questions like "Ready to start?" or "Push it?" traceable directly to 05-plan/06-verify requiring a human-reviewable plan and confirmation before nearly anything.

2. Ask-before-investigate. The genuinely bad questions (rare, about 5 across 6 weeks out of 200+ AskUserQuestion calls) share one root cause: asking before doing a cheap lookup that would have answered the question. This happens because 04-clarify's "ask one question at a time" urge fires before 03-prior-art's "explore before proposing" has a chance to run.

Expected: the plugin's clarify/plan behaviors should bias toward investigating first and asking only when genuinely blocked (missing input, a decision only the user can make), not toward gating on ceremony confirmations for reversible, low-risk actions.

Options considered:

• Rework 04-clarify to require attempting a cheap lookup before asking a clarifying question, when one is available
• Scope 05-plan's confirmation gate to non-trivial/risky changes only, skipping it for reversible or explicitly-requested trivial work
• Add an escape hatch users can invoke to skip planning ceremony for a single request without disabling the plugin entirely

Related: 01-git-state and 07-drift are not implicated and should stay as-is.