Avoid default retries for ambiguous MCP tool outcomes

[artiehinz]

Codex.MCP.Client.call_tool/4 currently defaults to three retries for every tools/call failure. That can replay a non-idempotent mutation when the server completed the write but the response was lost.

Current path:

1. request/4 sends tools/call.
2. The destination commits a write.
3. The response times out or the transport closes.
4. retry_or_error/8 invokes the same tool again because mcp_default_retries() is 3.

This is an ambiguous-success boundary, not a confirmed failure. Backoff does not make the replay safe.

Proposed minimal change:

• Make automatic tools/call retries opt-in rather than the default, or require a caller-provided retry-safety predicate.
• Keep explicit retries available for read-only or provider-idempotent tools.
• Document that transport errors after request transmission may mean the external effect is uncertain.
• Add a deterministic regression fixture whose first call commits a synthetic mutation and drops the response; the default path must leave the mutation count at one.

A later enhancement could use MCP readOnlyHint / idempotentHint as advisory input, but unknown or missing annotations should remain conservative. These hints cannot provide exactly-once behavior by themselves.

Reference contract and fixture semantics: https://github.com/artiehinz/Agent-Enhancer-Utilities/blob/main/docs/RELIABILITY_SIDECAR_CONTRACT_V1.md

I can prepare the focused patch and test if this direction matches the project's compatibility policy.