test: bring coverage to 85%, set threshold to 85, reset version to 3.0.11

- Add tests for config, convo_miner, spellcheck, knowledge_graph
- Fix Windows PermissionError in test cleanup (chromadb file locks)
- Add UTF-8 encoding to split_mega_files, entity_registry, hooks_cli
- Fix mcp_server parse_known_args logging for unknown args
- Set coverage threshold to 85 in pyproject.toml and CI
- Reset all version files to 3.0.11

Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>

.claude-plugin/plugin.json

@@ -1,6 +1,6 @@
 {
   "name": "mempalace",
-  "version": "3.0.15",
+  "version": "3.0.11",
   "description": "Give your AI a memory — mine projects and conversations into a searchable palace. 19 MCP tools, auto-save hooks, and guided setup.",
   "author": {
     "name": "milla-jovovich"