This pull addresses #22634 (comment) and various user feedback/questions, updates the -onlynet documentation in doc/i2p.md and doc/tor.md per #22651 (src/init.cpp is already fine) and fills in some missing I2P unit test coverage.
Note: this PR depends in part on whether #22651 is merged in order to propose the correct -onlynet documentation (it is currently aligned with the change in #22651), so that PR should be decided or merged first.