## Motivation and Context
The MCP specification defines an optional `annotations` field on both the
`Resource` and `ResourceTemplate` types, but the Ruby SDK is the only official
SDK that does not wire it up — TypeScript, Python, and PHP all implement it.
https://modelcontextprotocol.io/specification/2025-11-25/server/resources#annotations
The `MCP::Annotations` class already exists; this commit connects it. The field
accepts an `MCP::Annotations` instance rather than a raw hash, for consistency
with other typed fields and to get `lastModified` key normalization for free.
## How Has This Been Tested?
Added tests in `test/mcp/resource_test.rb` and
`test/mcp/resource_template_test.rb`:
- `#to_h` omits `annotations` when nil
- `#to_h` includes `annotations` when present (also asserting that
`last_modified` is serialized as `lastModified`)
The full unit suite and RuboCop pass locally.
## Breaking Changes
None. `annotations:` is a new optional keyword argument defaulting to `nil`,
and it is omitted from `#to_h` output when not set.
64219be2c8