fix: resolve 3 community-reported bugs (#2915, #2917, #2918)

- background_output: snapshot read cursor before consuming, restore on
  /undo message removal so re-reads return data (fixes #2915)
- MCP loader: preserve oauth field in transformMcpServer, add scope/
  projectPath filtering so local-scoped MCPs only load in matching
  directories (fixes #2917)
- runtime-fallback: add 'reached your usage limit' to retryable error
  patterns so quota exhaustion triggers model fallback (fixes #2918)

Verified: bun test (4606 pass / 0 fail), tsc --noEmit clean

src/hooks/runtime-fallback/constants.ts

@@ -27,6 +27,7 @@ export const RETRYABLE_ERROR_PATTERNS = [
   /too.?many.?requests/i,
   /quota.?exceeded/i,
   /quota\s+will\s+reset\s+after/i,
+  /(?:you(?:'ve|\s+have)\s+)?reached\s+your\s+usage\s+limit/i,
   /all\s+credentials\s+for\s+model/i,
   /cool(?:ing)?\s+down/i,
   /exhausted\s+your\s+capacity/i,

src/hooks/runtime-fallback/error-classifier.test.ts

@@ -253,6 +253,17 @@ describe("quota error detection (fixes #2747)", () => {
     expect(retryable).toBe(true)
   })
 
+  test("treats hard usage-limit wording as retryable", () => {
+    //#given
+    const error = { message: "You've reached your usage limit for this month. Please upgrade to continue." }
+
+    //#when
+    const retryable = isRetryableError(error, [429, 503])
+
+    //#then
+    expect(retryable).toBe(true)
+  })
+
   test("classifies QuotaExceededError by errorName even without quota keywords in message", () => {
     //#given
     const error = { name: "QuotaExceededError", message: "Request failed." }

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

@@ -64,6 +64,11 @@ describe("runtime-fallback", () => {
 
   function createMockPluginConfigWithCategoryFallback(fallbackModels: string[]): OhMyOpenCodeConfig {
     return {
+      git_master: {
+        commit_footer: true,
+        include_co_authored_by: true,
+        git_env_prefix: "GIT_MASTER=1",
+      },
       categories: {
         test: {
           fallback_models: fallbackModels,
@@ -79,6 +84,11 @@ describe("runtime-fallback", () => {
     variant?: string,
   ): OhMyOpenCodeConfig {
     return {
+      git_master: {
+        commit_footer: true,
+        include_co_authored_by: true,
+        git_env_prefix: "GIT_MASTER=1",
+      },
       categories: {
         [categoryName]: {
           model,
@@ -272,6 +282,39 @@ describe("runtime-fallback", () => {
       expect(errorLog).toBeDefined()
     })
 
+    test("should trigger fallback when session.error says you've reached your usage limit", async () => {
+      const hook = createRuntimeFallbackHook(createMockPluginInput(), {
+        config: createMockConfig({ notify_on_fallback: false }),
+        pluginConfig: createMockPluginConfigWithCategoryFallback(["zai-coding-plan/glm-5.1"]),
+      })
+      const sessionID = "test-session-usage-limit"
+      SessionCategoryRegistry.register(sessionID, "test")
+
+      await hook.event({
+        event: {
+          type: "session.created",
+          properties: { info: { id: sessionID, model: "kimi-for-coding/k2p5" } },
+        },
+      })
+
+      await hook.event({
+        event: {
+          type: "session.error",
+          properties: {
+            sessionID,
+            error: { message: "You've reached your usage limit for this month. Please upgrade to continue." },
+          },
+        },
+      })
+
+      const fallbackLog = logCalls.find((c) => c.msg.includes("Preparing fallback"))
+      expect(fallbackLog).toBeDefined()
+      expect(fallbackLog?.data).toMatchObject({ from: "kimi-for-coding/k2p5", to: "zai-coding-plan/glm-5.1" })
+
+      const skipLog = logCalls.find((c) => c.msg.includes("Error not retryable"))
+      expect(skipLog).toBeUndefined()
+    })
+
     test("should continue fallback chain when fallback model is not found", async () => {
       const hook = createRuntimeFallbackHook(createMockPluginInput(), {
         config: createMockConfig({ notify_on_fallback: false }),
@@ -767,7 +810,13 @@ describe("runtime-fallback", () => {
     test("should log when no fallback models configured", async () => {
       const hook = createRuntimeFallbackHook(createMockPluginInput(), {
         config: createMockConfig(),
-        pluginConfig: {},
+        pluginConfig: {
+          git_master: {
+            commit_footer: true,
+            include_co_authored_by: true,
+            git_env_prefix: "GIT_MASTER=1",
+          },
+        },
       })
       const sessionID = "test-session-no-fallbacks"
 
@@ -2299,6 +2348,11 @@ describe("runtime-fallback", () => {
   describe("fallback models configuration", () => {
     function createMockPluginConfigWithAgentFallback(agentName: string, fallbackModels: string[]): OhMyOpenCodeConfig {
       return {
+        git_master: {
+          commit_footer: true,
+          include_co_authored_by: true,
+          git_env_prefix: "GIT_MASTER=1",
+        },
         agents: {
           [agentName]: {
             fallback_models: fallbackModels,
@@ -2496,6 +2550,11 @@ describe("runtime-fallback", () => {
         {
           config: createMockConfig({ notify_on_fallback: false }),
           pluginConfig: {
+            git_master: {
+              commit_footer: true,
+              include_co_authored_by: true,
+              git_env_prefix: "GIT_MASTER=1",
+            },
             categories: {
               test: {
                 fallback_models: ["provider-a/model-a", "provider-b/model-b"],
@@ -2548,6 +2607,11 @@ describe("runtime-fallback", () => {
       const hook = createRuntimeFallbackHook(createMockPluginInput(), {
         config: createMockConfig({ notify_on_fallback: false }),
         pluginConfig: {
+          git_master: {
+            commit_footer: true,
+            include_co_authored_by: true,
+            git_env_prefix: "GIT_MASTER=1",
+          },
           categories: {
             test: {
               fallback_models: ["provider-a/model-a", "provider-b/model-b"],
@@ -2605,6 +2669,11 @@ describe("runtime-fallback", () => {
         {
           config: createMockConfig({ notify_on_fallback: false }),
           pluginConfig: {
+            git_master: {
+              commit_footer: true,
+              include_co_authored_by: true,
+              git_env_prefix: "GIT_MASTER=1",
+            },
             categories: {
               test: {
                 fallback_models: ["provider-a/model-a", "provider-b/model-b"],
@@ -2647,6 +2716,11 @@ describe("runtime-fallback", () => {
       const hook = createRuntimeFallbackHook(createMockPluginInput(), {
         config: createMockConfig({ notify_on_fallback: false }),
         pluginConfig: {
+          git_master: {
+            commit_footer: true,
+            include_co_authored_by: true,
+            git_env_prefix: "GIT_MASTER=1",
+          },
           categories: {
             test: {
               fallback_models: ["provider-a/model-a", "provider-b/model-b"],