It is not generally offensive to offer a suggestion about how to solve a problem, what's offensive is abusing people time by rehearsing the same complaints over and over again while ignoring any kind of solution. If they whine constantly about a problem but never seek any way to solve it, it is just attention-seeking behavior.
>If they don't and you go ahead anyway then you imply that you are superior to them and just come off as obnoxious.
No. It implies that the person has already had the problem and solved it successfully or they have the knowledge to solve it successfully or they are trying to brainstorm what they would do.