Create an AI Wrapper Function

Create a smart AI wrapper function called generate_with_ai() that tries multiple AI providers with automatic fallback.

Language: [Python, JavaScript, TypeScript, etc.]

Provider priority (try in this order):
1. [OpenAI GPT-4 / Claude / Gemini]: primary, fastest
2. [Claude / OpenAI / Gemini]: backup
3. Return a cached/default response if all fail

Requirements:
1. Try the primary provider first
2. If it fails (timeout, rate limit, error), try the backup
3. If backup fails, return a graceful fallback (cached response or helpful error message)
4. Log which provider actually handled the request
5. Add reasonable timeouts so failed providers don't hang forever

Keep it simple. I just want to understand the pattern. Show me:
- The wrapper function itself
- How to call it from my code
- How to add a new provider to the chain later

I'm learning, so explain each part simply.