When a pipeline beats an agent: three shapes that don't need a loop

'When not to build an agent' made the case against the loop in the abstract — quadratic cost, serial latency, an untestable failure surface. This is the concrete follow-on: three fixed pipeline shapes (linear chain, router-plus-handlers, fan-out/fan-in) that cover most of what people default to a loop for, why each one is cheaper and more testable, and the one test for when a real loop actually earns its cost.