docs: RFC for opportunistic local GA fetch from prod (#534)

[northdpole]

Summary

Adds an agent-ready implementation RFC for #534: opportunistic gap-analysis fetch from production on local cache miss, replacing bulk upstream GA download as the default local-dev path.

Spec-only PR — no production code changes.

• New file: docs/rfc/local-ga-opportunistic-fetch.md
• Covers design decisions, env vars (CRE_GA_UPSTREAM_*, CRE_GA_NO_UPSTREAM), API/UI behavior, cache policy v1 vs v2, security, phased implementation ladder with gates, and acceptance criteria

Related

• Closes the "detailed implementation spec PR" dependency from make --upstream_sync also sync the gap analysis graph progressively #534 (implementation follows in separate PRs)
• Mirrors retry/env pattern from #951 (CRE_UPSTREAM_* → CRE_GA_UPSTREAM_*)
• References scripts/sync_gap_analysis_table.py, application/utils/gap_analysis.py, prod cache-only model in AGENTS.md

Test plan

• black passed (markdown-only change)
• Maintainer review of RFC content
• Link from make --upstream_sync also sync the gap analysis graph progressively #534 after merge

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• docs/rfc/local-ga-opportunistic-fetch.md

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• Create PR with unit tests
• Commit unit tests in branch docs/rfc-534-local-ga-opportunistic-fetch

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