Create RETRY_AND_RATE_LIMITS.md

[Angel1945uwu]

Adds a document describing when and how to retry API calls and handle rate limiting gracefully.

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Note

Adds docs/RETRY_AND_RATE_LIMITS.md documenting retry and rate limit handling for the CLOB API.

• Defaults: max retries 3, initial backoff 250ms, exponential backoff
• Retry on: HTTP 429, 502/503/504, and network timeouts
• Do not retry on invalid requests or auth failures; use client-side throttling to avoid limits

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