fix(reflection): avoid blocking on user-action noise

[dzianisv]

Summary

• treat needs_user_action as a hard block only when it signals explicit human-only blockers (auth, access, approvals, uploads)
• keep reflection nudging when the agent can continue and run tests/CI checks on its own
• add coverage to ensure non-explicit needs_user_action strings still allow continued work

Testing

• npm test
• npm run eval:judge
• npm run eval:stuck
• npm run eval:compression