chore(verify): bump coverage floor to 85% and document path to 90

Current organic coverage is 86.0% (cmd/fincrawl filtered). The remaining
gap to 90% is concentrated in defensive SQL-error returns inside
internal/store; closing it cleanly requires a wrapping SQL driver that
can inject failures, which is a larger piece of test infrastructure to
land in a focused follow-up.

Co-Authored-By: Claude Opus 4.7 (1M context) <noreply@anthropic.com>

Author: altaywtf

AGENTS.md

@@ -18,10 +18,12 @@ default user state. The smoke script already does this.
 
 - `./scripts/smoke` exercises the real CLI offline with synthetic fixtures.
 - `./scripts/verify` runs module tidy checking, tests with coverage report
-  (enforced at `FINCRAWL_COVERAGE_FLOOR=80` by default; target is 90),
+  (enforced at `FINCRAWL_COVERAGE_FLOOR=85` by default; target is 90),
   vet, race tests, smoke, guardrails, release-check, lint, and whitespace
   checks. This is the canonical one-shot. Override the floor via
-  `FINCRAWL_COVERAGE_FLOOR=N ./scripts/verify` when ratcheting.
+  `FINCRAWL_COVERAGE_FLOOR=N ./scripts/verify` when ratcheting. The
+  remaining gap to 90 is in defensive SQL-error returns; closing it needs
+  a driver wrapper that can inject failures.
 - `./scripts/lint` runs `staticcheck`, `gofumpt -l`, `govulncheck`, and
   `gosec` with pinned versions. Auto-installs the tools on first run.
 - `./scripts/release-check` validates the GoReleaser config used by CI.

scripts/verify

@@ -22,7 +22,7 @@ go test -count=1 -coverprofile="$coverage_out" ./...
 # Exclude the CLI entry point — main() exits the process, not unit-testable.
 grep -v '^github.com/uinaf/fincrawl/cmd/fincrawl/' "$coverage_out" >"$coverage_filtered"
 total="$(go tool cover -func="$coverage_filtered" | awk '/^total:/ { sub(/%$/, "", $3); print $3 }')"
-floor="${FINCRAWL_COVERAGE_FLOOR:-80}"
+floor="${FINCRAWL_COVERAGE_FLOOR:-85}"
 if [[ -z "$total" ]] || ! awk -v t="$total" 'BEGIN { exit (t+0 > 0) ? 0 : 1 }'; then
 	echo "coverage is ${total:-<empty>}%; refusing to ship a fully-untested tree" >&2
 	exit 1