This commit reduces the interface to Load() a bit, in preparation for
unexporting NewBuilder and having everything call Load.
The three arguments are reduced to a single argument by moving the other
two into the options struct.
The three return values are reduced to two by moving the RuntimeConfig
and Warnings into a LoadResult struct.
Reduce Jitter to one function
Rename NewRetryWaiter
Fix a bug in calculateWait where maxWait was applied before jitter, which would make it
possible to wait longer than maxWait.