FromSettings now returns llm.NewRetrying around the configured adapter, so every Provider it builds retries transient Generate failures and gets the default timeout; ListModels and Verify pass through. The test recording transport now answers 400 instead of failing the round trip: the ollama adapter reports a transport failure as ErrTimeout, which is retried, so the helper would see three requests. Tests: a 429 then 200 succeeds on the second request; exhausted retries return ErrProvider after MaxRetries+1 requests with no key in any error. Maestro task: 1a882923-fdb4-4576-ab82-9529e9974b26 Co-Authored-By: Claude Opus 5.5 <noreply@anthropic.com>