feat(auth): improve unauthorized error handling for refresh and auto-refresh

- Added `isUnauthorizedError` and `hasUnauthorizedAuthFailure` to classify and handle unauthorized errors.
- Introduced `refreshErrorFromError` to map errors to standardized unauthorized responses.
- Modified refresh logic to stop auto-refresh retries for unauthorized errors.
- Updated tests to verify unauthorized error handling and refresh retry prevention.

sdk/cliproxy/auth/auto_refresh_loop.go

@@ -339,6 +339,9 @@ func nextRefreshCheckAt(now time.Time, auth *Auth, interval time.Duration) (time
 	if auth == nil {
 		return time.Time{}, false
 	}
+	if hasUnauthorizedAuthFailure(auth) {
+		return time.Time{}, false
+	}
 
 	accountType, _ := auth.AccountInfo()
 	if accountType == "api_key" {