Generalize rate_limit.py into a reusable named-limit dependency

Adds rate_limit(name, max_hits=, window_seconds=) as a factory for FastAPI
dependencies, generalizing the auth_rate_limit pattern for future endpoints
(chat send, message report) without touching auth_rate_limit's own behavior.
Reuses SlidingWindowLimiter for counting and the existing 429 + Retry-After
response, and respects RATE_LIMIT_ENABLED the same way auth_rate_limit does.
reset_all() now clears every registered limiter (auth's plus any named ones),
so the conftest autouse fixture keeps working for sibling tasks automatically.

Co-Authored-By: Claude Sonnet 5 <noreply@anthropic.com>
Claude-Session: https://claude.ai/code/session_01Y2FESCaMXeJpC9gSctiEeD

backend/tests/test_rate_limit.py

@@ -1,6 +1,7 @@
 """The auth endpoints are rate-limited per client IP."""
 
 import pytest
+from fastapi import Depends, FastAPI
 from fastapi.testclient import TestClient
 
 from app import rate_limit
@@ -54,3 +55,70 @@ def test_limiter_window_is_per_key():
     with pytest.raises(Exception):
         limiter.check("a")
     limiter.check("b")  # different key, unaffected
+
+
+def _make_named_limit_app():
+    """A tiny standalone app exercising two independent named limits, so
+    these tests don't depend on any sibling endpoint existing yet."""
+    limit_a = rate_limit.rate_limit("test_named_a", max_hits=2, window_seconds=60)
+    limit_b = rate_limit.rate_limit("test_named_b", max_hits=2, window_seconds=60)
+
+    app = FastAPI()
+
+    @app.post("/a", dependencies=[Depends(limit_a)])
+    def _a():
+        return {"ok": True}
+
+    @app.post("/b", dependencies=[Depends(limit_b)])
+    def _b():
+        return {"ok": True}
+
+    return TestClient(app)
+
+
+def test_named_limits_do_not_share_counters():
+    client = _make_named_limit_app()
+
+    # Burn out limit "a" entirely.
+    assert client.post("/a").status_code == 200
+    assert client.post("/a").status_code == 200
+    r = client.post("/a")
+    assert r.status_code == 429
+    assert "Retry-After" in r.headers
+
+    # Limit "b" is untouched -- same process, same client IP, different name.
+    assert client.post("/b").status_code == 200
+    assert client.post("/b").status_code == 200
+    assert client.post("/b").status_code == 429
+
+
+def test_named_limit_returns_429_with_retry_after_once_exhausted():
+    client = _make_named_limit_app()
+    client.post("/a")
+    client.post("/a")
+    r = client.post("/a")
+    assert r.status_code == 429
+    retry_after = r.headers["Retry-After"]
+    assert int(retry_after) >= 1
+
+
+def test_named_limit_is_a_noop_when_rate_limiting_disabled():
+    prev = settings.RATE_LIMIT_ENABLED
+    settings.RATE_LIMIT_ENABLED = False
+    try:
+        client = _make_named_limit_app()
+        codes = [client.post("/a").status_code for _ in range(10)]
+        assert codes == [200] * 10
+    finally:
+        settings.RATE_LIMIT_ENABLED = prev
+
+
+def test_reset_all_clears_named_limiters_too():
+    client = _make_named_limit_app()
+    client.post("/a")
+    client.post("/a")
+    assert client.post("/a").status_code == 429
+
+    rate_limit.reset_all()
+
+    assert client.post("/a").status_code == 200