fix: use configured cooldown as cap for rate limit wait times

- Cooldown now caps API-provided reset times instead of being a fallback
- Fixed misleading UI descriptions for cooldown settings
- Removed unused cooldownDurationMs from settings object
- Updated default fallback values in frontend to 10s

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

public/js/store.js

@@ -267,9 +267,10 @@ document.addEventListener('alpine:init', () => {
                 persistentSessions: "Persistent Sessions",
                 persistTokenDesc: "Save OAuth sessions to disk for faster restarts",
                 rateLimiting: "Account Rate Limiting & Timeouts",
-                defaultCooldown: "Default Cooldown Time",
-                maxWaitThreshold: "Max Wait Threshold (Sticky)",
-                maxWaitDesc: "Maximum time to wait for a sticky account to reset before switching.",
+                defaultCooldown: "Default Cooldown",
+                defaultCooldownDesc: "Fallback cooldown when API doesn't provide a reset time.",
+                maxWaitThreshold: "Max Wait Before Error",
+                maxWaitDesc: "If all accounts are rate-limited longer than this, error immediately instead of waiting.",
                 saveConfigServer: "Save Configuration",
                 serverRestartAlert: "Changes saved to {path}. Restart server to apply some settings.",
                 changePassword: "Change WebUI Password",
@@ -544,8 +545,9 @@ document.addEventListener('alpine:init', () => {
                 persistTokenDesc: "将登录会话保存到磁盘以实现快速重启",
                 rateLimiting: "账号限流与超时",
                 defaultCooldown: "默认冷却时间",
-                maxWaitThreshold: "最大等待阈值 (粘性会话)",
-                maxWaitDesc: "粘性账号在失败或切换前等待重置的最长时间。",
+                defaultCooldownDesc: "当 API 未提供重置时间时的备用冷却时间。",
+                maxWaitThreshold: "最大等待阈值",
+                maxWaitDesc: "如果所有账号的限流时间超过此阈值，立即返回错误而非等待。",
                 saveConfigServer: "保存配置",
                 serverRestartAlert: "配置已保存至 {path}。部分更改可能需要重启服务器。",
                 changePassword: "修改 WebUI 密码",