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>

pyproject.toml

@@ -1,6 +1,6 @@
 [project]
 name = "mempalace"
-version = "3.0.15"
+version = "3.0.11"
 description = "Give your AI a memory — mine projects and conversations into a searchable palace. No API key required."
 readme = "README.md"
 requires-python = ">=3.9"
@@ -69,7 +69,7 @@ testpaths = ["tests"]
 source = ["mempalace"]
 
 [tool.coverage.report]
-fail_under = 60
+fail_under = 85
 show_missing = true
 exclude_lines = [
     "if __name__",