docs: expand .cards — vision, comparisons, business rationale, open questions

26 cards covering:
- Project philosophy (session isolation, process discipline, dissipative structure)
- Comparisons (vs skill, vs dynamic workflow)
- Business rationale (FTE vs vendor, OPC, switching cost)
- Learning model (memory + skill + workflow)
- Self-improvement (reflective workflow, eval)
- Open questions (workflow granularity, human-in-the-loop)

.cards/cold-start-same-entry-different-exit.md

@@ -0,0 +1,20 @@
+---
+title: "Cold Start — Same Entry Point, Different Exit"
+created: "2026-06-07"
+source: "openclaw-xiaomo"
+tags: [architecture, pattern]
+category: "architecture"
+links:
+  - uwf-vs-dynamic-workflow
+  - process-authorship-human-ai-vs-delegation
+  - workflow-as-improvable-system
+  - agent-as-graduate
+---
+
+uwf 的冷启动不比 dw 更复杂——起点完全一样：用户描述任务，agent 执行。
+
+区别在出口：dw 跑完即丢，uwf 跑完后沉淀成 workflow YAML，用户可以审查、调优、复用。workflow 不一定要用户写，往往也是 agent 写的——跟 dw 一样的模式。uwf 和 dw 的差异不在"谁写流程"，而在"流程跑完后去哪"。
+
+冷启动路径：agent 先跑一次临时流程 → 用户觉得好就固化成 workflow → 下次同类任务直接复用 → 用过几次后根据经验调优。从零门槛的即兴执行，渐进演化为成熟的可复用流程。
+
+入口像 dw 一样低，出口比 dw 多了一个沉淀层。