Three attempts, one second apart, applied to every consumer regardless of what it does.
// the inherited default
public int $tries = 3;
public int $backoff = 1;
// what the four consumers actually need:
// payment capture long backoff, many attempts —
// the gateway recovers in minutes
// email a few attempts, then dead-letter
// search indexing many attempts, cheap, and a
// periodic full rebuild anyway
// webhook delivery the published 7-attempt schedule
One retry policy across four consumers means three of them are wrong, and the one that mattered was payment capture giving up after three seconds against a gateway whose outages last minutes. The policy belongs with the consumer because it encodes what failure means for that specific work, which is a domain question rather than an infrastructure default.