refactor: replace custom CSRF and rate-limiting with off-the-shelf libraries

Replace custom CSRF middleware with gorilla/csrf and custom rate-limiting
middleware with go-chi/httprate, as requested in code review.

CSRF changes:
- Replace session-based CSRF tokens with gorilla/csrf cookie-based
  double-submit pattern (HMAC-authenticated cookies)
- Keep same form field name (csrf_token) for template compatibility
- Keep same route exclusions (webhook/API routes)
- In dev mode, mark requests as plaintext HTTP to skip Referer check

Rate limiting changes:
- Replace custom token-bucket rate limiter with httprate sliding-window
  counter (per-IP, 5 POST requests/min on login endpoint)
- Remove custom IP extraction (httprate.KeyByRealIP handles
  X-Forwarded-For, X-Real-IP, True-Client-IP)
- Remove custom cleanup goroutine (httprate manages its own state)

Kept as-is:
- SSRF prevention code (internal/delivery/ssrf.go) — application-specific
- CSRFToken() wrapper function — handlers unchanged

Updated README security section and architecture overview to reflect
library choices.

go.sum

@@ -19,6 +19,8 @@ github.com/go-chi/chi v1.5.5 h1:vOB/HbEMt9QqBqErz07QehcOKHaWFtuj87tTDVz2qXE=
 github.com/go-chi/chi v1.5.5/go.mod h1:C9JqLr3tIYjDOZpzn+BCuxY8z8vmca43EeMgyZt7irw=
 github.com/go-chi/cors v1.2.1 h1:xEC8UT3Rlp2QuWNEr4Fs/c2EAGVKBwy/1vHx3bppil4=
 github.com/go-chi/cors v1.2.1/go.mod h1:sSbTewc+6wYHBBCW7ytsFSn836hqM7JxpglAy2Vzc58=
+github.com/go-chi/httprate v0.15.0 h1:j54xcWV9KGmPf/X4H32/aTH+wBlrvxL7P+SdnRqxh5g=
+github.com/go-chi/httprate v0.15.0/go.mod h1:rzGHhVrsBn3IMLYDOZQsSU4fJNWcjui4fWKJcCId1R4=
 github.com/go-errors/errors v1.4.2 h1:J6MZopCL4uSllY1OfXM374weqZFFItUbrImctkmUxIA=
 github.com/go-errors/errors v1.4.2/go.mod h1:sIVyrIiJhuEF+Pj9Ebtd6P/rEYROXFi3BopGUQ5a5Og=
 github.com/golang/protobuf v1.5.0/go.mod h1:FsONVRAS9T7sI+LIUmWTfcYkHO4aIWwzhcaSAoJOfIk=
@@ -31,6 +33,8 @@ github.com/google/pprof v0.0.0-20221118152302-e6195bd50e26 h1:Xim43kblpZXfIBQsbu
 github.com/google/pprof v0.0.0-20221118152302-e6195bd50e26/go.mod h1:dDKJzRmX4S37WGHujM7tX//fmj1uioxKzKxz3lo4HJo=
 github.com/google/uuid v1.6.0 h1:NIvaJDMOsjHA8n1jAhLSgzrAzy1Hgr+hNrb57e+94F0=
 github.com/google/uuid v1.6.0/go.mod h1:TIyPZe4MgqvfeYDBFedMoGGpEw/LqOeaOT+nhxU+yHo=
+github.com/gorilla/csrf v1.7.3 h1:BHWt6FTLZAb2HtWT5KDBf6qgpZzvtbp9QWDRKZMXJC0=
+github.com/gorilla/csrf v1.7.3/go.mod h1:F1Fj3KG23WYHE6gozCmBAezKookxbIvUJT+121wTuLk=
 github.com/gorilla/securecookie v1.1.2 h1:YCIWL56dvtr73r6715mJs5ZvhtnY73hBvEF8kXD8ePA=
 github.com/gorilla/securecookie v1.1.2/go.mod h1:NfCASbcHqRSY+3a8tlWJwsQap2VX5pwzwo4h3eOamfo=
 github.com/gorilla/sessions v1.4.0 h1:kpIYOp/oi6MG/p5PgxApU8srsSw9tuFbt46Lt7auzqQ=
@@ -43,6 +47,8 @@ github.com/joho/godotenv v1.5.1 h1:7eLL/+HRGLY0ldzfGMeQkb7vMd0as4CfYvUVzLqw0N0=
 github.com/joho/godotenv v1.5.1/go.mod h1:f4LDr5Voq0i2e/R5DDNOoa2zzDfwtkZa6DnEwAbqwq4=
 github.com/kballard/go-shellquote v0.0.0-20180428030007-95032a82bc51 h1:Z9n2FFNUXsshfwJMBgNA0RU6/i7WVaAegv3PtuIHPMs=
 github.com/kballard/go-shellquote v0.0.0-20180428030007-95032a82bc51/go.mod h1:CzGEWj7cYgsdH8dAjBGEr58BoE7ScuLd+fwFZ44+/x8=
+github.com/klauspost/cpuid/v2 v2.2.10 h1:tBs3QSyvjDyFTq3uoc/9xFpCuOsJQFNPiAhYdw2skhE=
+github.com/klauspost/cpuid/v2 v2.2.10/go.mod h1:hqwkgyIinND0mEev00jJYCxPNVRVXFQeu1XKlok6oO0=
 github.com/kr/pretty v0.3.1 h1:flRD4NNwYAUpkphVc1HcthR4KEIFJ65n8Mw5qdRn3LE=
 github.com/kr/pretty v0.3.1/go.mod h1:hoEshYVHaxMs3cyo3Yncou5ZscifuDolrwPKZanG3xk=
 github.com/kr/text v0.2.0 h1:5Nx0Ya0ZqY2ygV366QzturHI13Jq95ApcVaJBhpS+AY=
@@ -80,6 +86,10 @@ github.com/stretchr/objx v0.5.1/go.mod h1:/iHQpkQwBD6DLUmQ4pE+s1TXdob1mORJ4/UFdr
 github.com/stretchr/testify v1.3.0/go.mod h1:M5WIy9Dh21IEIfnGCwXGc5bZfKNJtfHm1UVUgZn+9EI=
 github.com/stretchr/testify v1.8.4 h1:CcVxjf3Q8PM0mHUKJCdn+eZZtm5yQwehR5yeSVQQcUk=
 github.com/stretchr/testify v1.8.4/go.mod h1:sz/lmYIOXD/1dqDmKjjqLyZ2RngseejIcXlSw2iwfAo=
+github.com/zeebo/assert v1.3.0 h1:g7C04CbJuIDKNPFHmsk4hwZDO5O+kntRxzaUoNXj+IQ=
+github.com/zeebo/assert v1.3.0/go.mod h1:Pq9JiuJQpG8JLJdtkwrJESF0Foym2/D9XMU5ciN/wJ0=
+github.com/zeebo/xxh3 v1.0.2 h1:xZmwmqxHZA8AI603jOQ0tMqmBr9lPeFwGg6d+xy9DC0=
+github.com/zeebo/xxh3 v1.0.2/go.mod h1:5NWz9Sef7zIDm2JHfFlcQvNekmcEl9ekUZQQKCYaDcA=
 go.uber.org/atomic v1.9.0 h1:ECmE8Bn/WFTYwEW/bpKD3M8VtR/zQVbavAoalC1PYyE=
 go.uber.org/atomic v1.9.0/go.mod h1:fEN4uk6kAWBTFdckzkM89CLk9XfWZrxpCo0nPH17wJc=
 go.uber.org/dig v1.17.0 h1:5Chju+tUvcC+N7N6EV08BJz41UZuO3BmHcN4A287ZLI=
@@ -103,8 +113,6 @@ golang.org/x/sys v0.33.0 h1:q3i8TbbEz+JRD9ywIRlyRAQbM0qF7hu24q3teo2hbuw=
 golang.org/x/sys v0.33.0/go.mod h1:BJP2sWEmIv4KK5OTEluFJCKSidICx8ciO85XgH3Ak8k=
 golang.org/x/text v0.25.0 h1:qVyWApTSYLk/drJRO5mDlNYskwQznZmkpV2c8q9zls4=
 golang.org/x/text v0.25.0/go.mod h1:WEdwpYrmk1qmdHvhkSTNPm3app7v4rsT8F2UD6+VHIA=
-golang.org/x/time v0.14.0 h1:MRx4UaLrDotUKUdCIqzPC48t1Y9hANFKIRpNx+Te8PI=
-golang.org/x/time v0.14.0/go.mod h1:eL/Oa2bBBK0TkX57Fyni+NgnyQQN4LitPmob2Hjnqw4=
 golang.org/x/tools v0.21.1-0.20240508182429-e35e4ccd0d2d h1:vU5i/LfpvrRCpgM/VPfJLg5KjxD3E+hfT1SH+d9zLwg=
 golang.org/x/tools v0.21.1-0.20240508182429-e35e4ccd0d2d/go.mod h1:aiJjzUbINMkxbQROHiO6hDPo2LHcIPhhQsa9DLh0yGk=
 golang.org/x/xerrors v0.0.0-20191204190536-9bdfabe68543/go.mod h1:I/5z698sn9Ka8TeJc9MKroUUfqBBauWjQqLJ2OPfmY0=