fix(rate-limit): close rate-limit bypass and tighten public route limits #4591

Bugbot Review

Bugbot Analysis Progress (8m 39s elapsed)

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✅ Completed bug detection (8m 33s)
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Final Result: Bugbot completed review - no issues found! ✅

Request ID: serverGenReqId_470e007e-a67e-4f9e-8e2e-fd05ba710d50

✅ Bugbot reviewed your changes and found no new issues!

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^{Reviewed by Cursor Bugbot for commit 2f3657c. Configure here.}