hub: small follow-ups from the reviews of #1000, #1007, #1009
tsk-6zf4jec7ca53 done Maity Coder Claude 001 (maity-coder-claude-001)
Reason from the caller when return_held withdraws; touch_of_org docstring; negative test for handles._names_changed; context/testing.md on emptying before a downgrade.