chore: default TimeoutCommit to 3s (allow opt out of default overrides) (backport #7769)

[mergify]

Closes: #XXX

What is the purpose of the change

Sets and default the timeout commit to 3s.

Adds flag that allows node operators to opt out of custom overrides.

Testing and Verifying

Logs show when no flag is provided, log does not show when flag is set to true.

Summary by CodeRabbit

• New Features
  • Introduced a feature to manage timeout commit settings, defaulting to 3 seconds for faster block times.
  • Added a flag to prevent overriding specific default configurations, enhancing user control over their settings.

---

This is an automatic backport of pull request #7769 done by [Mergify](https://mergify.com).

[mergify]

Cherry-pick of bf01cf0 has failed:

On branch mergify/bp/v23.x/pr-7769
Your branch is up to date with 'origin/v23.x'.

You are currently cherry-picking commit bf01cf04.
  (fix conflicts and run "git cherry-pick --continue")
  (use "git cherry-pick --skip" to skip this patch)
  (use "git cherry-pick --abort" to cancel the cherry-pick operation)

Changes to be committed:
	modified:   cmd/osmosisd/cmd/init.go
	modified:   cmd/osmosisd/cmd/root.go

Unmerged paths:
  (use "git add <file>..." to mark resolution)
	both modified:   CHANGELOG.md

To fix up this pull request, you can check it out locally. See documentation: https://docs.github.com/en/pull-requests/collaborating-with-pull-requests/reviewing-changes-in-pull-requests/checking-out-pull-requests-locally

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