0509 — The retry surface is trimmed to Policy and the two error types
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Context. pkg/retry exported more than users need: NewDefaultRetryPolicy, IsRetryable, and RetryableFunc existed for internal wiring, while the config convention already fills unset policies.
Decision. retry.NewDefaultRetryPolicy, retry.IsRetryable, and retry.RetryableFunc are demoted. Users leave config Retry fields nil and WithDefaults fills them. What stays public: retry.Policy (with WithDefaults/Validate) and the two error types — retry.RetryableError/retry.PermanentError with NewRetryableError/NewPermanentError, each carrying Error and Unwrap.
Consequences. The public retry vocabulary is exactly what a consumerFunc author needs (classify an error retryable or permanent) plus one tuning struct; default construction stops being a public entry point.