The verifier found four more env-only behaviours of the same class the branch
was already fixing. The worst is scope: it goes straight into the Redis keys
(pgw:limit:{scope}, pgw:gate:{scope}), so one process using from_env("LLM")
and another constructing scope="LLM" by hand split the rate limit and breaker
state across two namespaces, each tracking its own quota, with no error.
Blank redis_url and pricing_path now collapse to None as from_env has always
done, so they fall into the required-field checks instead of reaching the redis
client as an unparseable URL. EmbeddingSettings gains the __post_init__ it never
had, moving its batch_size and expected_dim checks off the from_env-only path.
Also adds the cache backend whitelist test that mutation testing showed missing.
iomgaa
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