These flags should be independent: in particular an index AM should
be able to say that it supports include columns without necessarily
supporting multiple key columns.  The included-columns patch got
this wrong, possibly aided by the fact that it didn't bother to
update the documentation.

While here, clarify some text about amcanreturn, which was a little
vague about what should happen when amcanreturn reports that only
some of the index columns are returnable.

Noted while reviewing the SP-GiST included-columns patch, which
quite incorrectly (and unsafely) changed SP-GiST to claim
amcanmulticol = true as a workaround for this bug.

Backpatch to v11 where included columns were introduced.