and factor out LoadVerifyActivateChainstate()
This is a backport of core#25308
and https://github.com/bitcoin/bitcoin/pull/25667/commits/cced4e7336d93a2dc88e4a61c49941887766bd72
Squashing the backport with the refactoring commit from core#25667 ensures we don't temporarily shadow the other options variable in TestingSetup::TestingSetup