test(runtime-fallback): fix OpenAI auto-retry test expectations

- Add timeout_seconds to mock config for auto-retry signal detection

- Add 'usage limit' pattern to quota_exceeded error classification

Ultraworked with [Sisyphus](https://github.com/code-yeongyu/oh-my-openagent)

Co-authored-by: Sisyphus <clio-agent@sisyphuslabs.ai>

src/hooks/runtime-fallback/index.test.ts

@@ -518,7 +518,7 @@ describe("runtime-fallback", () => {
 
     test("should trigger fallback on OpenAI auto-retry signal in message.updated", async () => {
       const hook = createRuntimeFallbackHook(createMockPluginInput(), {
-        config: createMockConfig({ notify_on_fallback: false }),
+        config: createMockConfig({ notify_on_fallback: false, timeout_seconds: 30 }),
         pluginConfig: createMockPluginConfigWithCategoryFallback(["anthropic/claude-opus-4-6"]),
       })