refactor: make sdd-lab review-driven (WealthLedger/specs#66)

Replace executable schema checks with explicit review-driven readiness, add a requirement-writing profile, and incorporate review clarifications for source traceability and comparative validation.

openspec/schemas/wealth-ledger-sdd-lab/templates/observability.md

@@ -1,11 +1,10 @@
 # Observability
 
-<!-- guide: What must be observable and why; not which SDK, exporter or logger
-     (design.md). Remove guides before G3. -->
+<!-- Что должно быть наблюдаемо и зачем; не какой SDK, exporter или logger (design.md). -->
 
 ## Semantic Events
 
-| Event | Trigger | Required attributes | Consumer / purpose |
+| Событие | Trigger | Обязательные атрибуты | Потребитель / назначение |
 | --- | --- | --- | --- |
 
 ## Logs, Metrics and Traces
@@ -14,11 +13,11 @@
 
 ## SLI and Alert Conditions
 
-| SLI | Definition | Target | Alert condition |
+| SLI | Определение | Цель | Условие алерта |
 | --- | --- | --- | --- |
 
 ## Diagnostic Scenarios
 
-<!-- guide: "When X happens, an operator can determine Y from Z." -->
+<!-- «Когда X, оператор определяет Y по Z». -->
 
 ## Open Questions