refactor: clear PR 753 Sonar findings

[Brad-Edwards]

Summary

• reduce aces_mcp.tools.reference below Sonar's 500-line file limit and remove its stale oversized-file allowlist entry
• split raw schema construction from schema decoration so both functions remain below Sonar's 100-line function limit
• replace repeated planner resource collection blocks with an order-preserving table-driven loop

Why

PR #753 merged dev into main, but its SonarCloud quality gate reported three new maintainability violations (python:S104 and python:S138). This behavior-preserving refactor clears those violations so the next dev promotion can pass the strict zero-new-issues gate.

Impact

No contract, schema, planner ordering, or MCP response behavior changes. The patch only reduces source and function size.

Requirement Context

• Requirement UID: MOD-001
• Related PR: Dev #753

Validation

• full tools/verify_all.py graph: passed
• 3,650 unit tests passed; 1 skipped; 46 deselected
• 34 integration tests passed; 2 environment-dependent libvirt tests skipped
• 92% aggregate coverage
• policy, hygiene, lint, schema drift, contract validation, and docs build passed

[sonarqubecloud]

Quality Gate passed

Issues
0 New issues
0 Accepted issues

Measures
0 Security Hotspots
100.0% Coverage on New Code
0.0% Duplication on New Code

See analysis details on SonarQube Cloud