chore(trading,governance,explorer): update issue templates to include check in specs repo (#3964)

.github/ISSUE_TEMPLATE/chore.md

@@ -14,8 +14,7 @@ What we need to achieve and who for
 
 ## Tasks
 
-- [ ] What do we need to do first
+- [ ]
-- [ ] and then what?
+- [ ]
-- [ ] Etc.
 
 ## Additional details / background info

.github/ISSUE_TEMPLATE/user-story.md

@@ -22,11 +22,14 @@ So that
 
 ## Tasks
 
-- [ ] Explore and sketch
+- [ ] UX (if needed)
+- [ ] Design (if needed)
 - [ ] Team and stakeholder review
-- [ ] Visual Design
+- [ ] Specs reviewed and created or adjusted
-- [ ] Team review
+- [ ] Implementation
-- [ ] Etc.
+- [ ] Testing (unit and/or e2e)
+- [ ] Code review
+- [ ] QA review
 
 ## Sketch