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docs(roadmap): add decision timing and turn Phase 02d into a gated plan #121

Job	Run time
backend integration (Testcontainers)	1m 36s
backend (build + unit + arch + contract)	2m 35s
frontend (typecheck + lint + build + test)	58s
meta (compose + commit hygiene + link audit)	13s
secret scan (leakwatch)	1m 8s
openapi diff (deferred to Phase 02d)	-1s
lighthouse budget (deferred to Phase 02d)	-1s
	6m 28s