feat: comprehensive rate limit handling overhaul (inspired by opencode-antigravity-auth)

This commit addresses "Max retries exceeded" errors during stress testing where
all accounts would become exhausted simultaneously due to short per-second rate
limits triggering cascading failures.

## Rate Limit Parser (`rate-limit-parser.js`)
- Remove 2s buffer enforcement that caused cascading failures when API returned
  short reset times (200-600ms). Now adds 200ms buffer for sub-500ms resets
- Add `parseRateLimitReason()` for smart backoff based on error type:
  QUOTA_EXHAUSTED, RATE_LIMIT_EXCEEDED, MODEL_CAPACITY_EXHAUSTED, SERVER_ERROR

## Message/Streaming Handlers
- Add per-account+model rate limit state tracking with exponential backoff
- For short rate limits (< 1 second), wait and retry on same account instead
  of switching - prevents thundering herd when all accounts hit per-second limits
- Add throttle wait support for fallback modes (emergency/lastResort)
- Add `calculateSmartBackoff()` with progressive tiers by error type

## HybridStrategy (`hybrid-strategy.js`)
- Refactor `#getCandidates()` to return 4 fallback levels:
  - `normal`: All filters pass (health, tokens, quota)
  - `quota`: Bypass critical quota check
  - `emergency`: Bypass health check when ALL accounts unhealthy
  - `lastResort`: Bypass BOTH health AND token bucket checks
- Add throttle wait times: 500ms for lastResort, 250ms for emergency
- Fix LRU calculation to use seconds (matches opencode-antigravity-auth)

## Health Tracker
- Increase `recoveryPerHour` from 2 to 10 for faster recovery (1 hour vs 5 hours)

## Account Manager
- Add consecutive failure tracking: `getConsecutiveFailures()`,
  `incrementConsecutiveFailures()`, `resetConsecutiveFailures()`
- Add cooldown mechanism separate from rate limits with `CooldownReason`
- Reset consecutive failures on successful request

## Base Strategy
- Add `isAccountCoolingDown()` check in `isAccountUsable()`

## Constants
- Replace fixed `CAPACITY_RETRY_DELAY_MS` with progressive `CAPACITY_BACKOFF_TIERS_MS`
- Add `BACKOFF_BY_ERROR_TYPE` for smart backoff
- Add `QUOTA_EXHAUSTED_BACKOFF_TIERS_MS` for progressive quota backoff
- Add `MIN_BACKOFF_MS` floor to prevent "Available in 0s" loops
- Increase `MAX_CAPACITY_RETRIES` from 3 to 5
- Reduce `RATE_LIMIT_DEDUP_WINDOW_MS` from 5s to 2s

## Frontend
- Remove `capacityRetryDelayMs` config (replaced by progressive tiers)
- Update default `maxCapacityRetries` display from 3 to 5

## Testing
- Add `tests/stress-test.cjs` for concurrent request stress testing

Co-Authored-By: Claude <noreply@anthropic.com>

src/config.js

@@ -16,6 +16,11 @@ const DEFAULT_CONFIG = {
     defaultCooldownMs: 10000,  // 10 seconds
     maxWaitBeforeErrorMs: 120000, // 2 minutes
     maxAccounts: 10, // Maximum number of accounts allowed
+    // Rate limit handling (matches opencode-antigravity-auth)
+    rateLimitDedupWindowMs: 2000,  // 2 seconds - prevents concurrent retry storms
+    maxConsecutiveFailures: 3,     // Before applying extended cooldown
+    extendedCooldownMs: 60000,     // 1 minute extended cooldown
+    maxCapacityRetries: 5,         // Max retries for capacity exhaustion
     modelMapping: {},
     // Account selection strategy configuration
     accountSelection: {