Sum warmth insulation from worn items and refresh goldens for the new trait pool.

HeatLoving and ColdLoving shift later trait rolls; worn clothes now feed PersonInsulation instead of reflection.

Co-authored-by: Cursor <cursoragent@cursor.com>

tests/HSchool.Simulation.Tests/WarmthTests.cs

@@ -45,6 +45,22 @@ public class WarmthTests
         Assert.True(coated > naked, $"jacket {coated} should beat naked {naked}");
     }
 
+    [Fact]
+    public void FromPerson_SumsWornInsulation_AndIgnoresHome()
+    {
+        using var school = Open(JanuaryMorning);
+        var catalog = school.Catalog!;
+        var person = school.Roster!.People.First(row =>
+            row.Items.Any(item => item.Location.Equals(ItemLocations.Worn, StringComparison.Ordinal)));
+        Assert.True(PersonInsulation.FromPerson(person, catalog).Value > 0);
+
+        var atHome = person with
+        {
+            Items = [.. person.Items.Select(item => item with { Location = ItemLocations.Home })],
+        };
+        Assert.Equal(0, PersonInsulation.FromPerson(atHome, catalog).Value);
+    }
+
     private static void PutFirstPerson(School school, string? nodeId, PersonInsulation insulation, float warmth)
     {
         var query = new QueryDescription().WithAll<PersonNeeds, PersonInsulation, Presence>();