Function insert_row_with_retry 

async fn insert_row_with_retry(
    session: &CqlSession,
    prepared_id: Option<&PreparedId>,
    table_spec: &str,
    col_list: &str,
    ttl_clause: &str,
    values: &[CqlValue],
    max_attempts: usize,
) -> Result<()>

Execute a single row INSERT with retry on failure.

When prepared_id is Some, uses the prepared statement path with typed bound values. Otherwise builds a literal-value INSERT string.