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ProfileManagerObserver::OnProfileAdded() can serve as the signal that
the Profile is fully created.

This patch also adjusts OwnerSettingsServiceChromeOSFactory to make
it more obvious that off the record profiles (both guest and incognito)
don't get a service instance.

TBR=bartfab@chromium.org,rdevlin.cronin@chromium.org

Bug: 268984
Change-Id: I2048d85828863cc9611b724c5b7c5c0b114089ec
Reviewed-on: https://chromium-review.googlesource.com/c/chromium/src/+/1794273Reviewed-by: Evan Stade <estade@chromium.org>
Reviewed-by: Xiyuan Xia <xiyuan@chromium.org>
Commit-Queue: Evan Stade <estade@chromium.org>
Cr-Commit-Position: refs/heads/master@{#695736}