This requires that we not access pcoinsTip in InitBlockIndex's
FlushStateToDisk (so we just skip it until later in AppInitMain)
and the LoadChainTip in LoadBlockIndex (which there is already one
later in AppinitMain, after ReplayBlocks, so skipping it there is
fine).
Includes some simplifications by Suhas Daftuar and Pieter Wuille.