Consolidate testing steps into `tools/test`.

I've opted to run with `--coverage` to ensure that we continue exercising coverage support. Hat tip to @wlonk for holding me accountable on this - I had thought coverage was broken, but I was holding it wrong.

Also adjusts the code coverage failure thresholds to match here-and-now reality. I'm not offering a policy thought here, just making sure we

1. use the coverage checking we have, and
2. set standards we are actually achieving.

This was originally part of [another proposal][pr-6]. I've broken it out to make the intent clearer, and to make the proposal easier to get a handle on in isolation from other, related changes. Thanks to @wlonk for their input on this!

[pr-6]: https://codeberg.org/ojacobson/pilcrow/pulls/6

Merges prop/test-tool into main.

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