Clarify unmanaged offload rejection as optimizer state offload
Address stas00 feedback: the stage-1/2 finalize assertion and the init-time
guard referred to generic "ZeRO offload", but param offload is stage-3-only
and already rejected by the preceding stage guard. Name optimizer state
offload explicitly and drop the redundant offload_param check.
Signed-off-by: Olatunji Ruwase <tunji.ruwase@snowflake.com>
Co-authored-by: Cursor <cursoragent@cursor.com>