... I wish I could figure out how to use nLocktime in Electrum via the command line. I have a rough idea of how to construct the transaction, but I'm not comfortable doing the hex encoding myself. Still waiting for some documentation on this. 
You don't need to really figure out how to do the hex encoding... just create an "unsigned" transaction using coinb.in (https://coinb.in/#newTransaction)... You can even use a downloaded offline copy of Coinb.in if you're super paranoid. After you have copy/pasted in the addresses containing the inputs you want to spend (PROTIP: use the "Coins" tab in Electrum to see where your UTXOs are)... then click the "Advanced Options" and you have the ability to specify the nLockTime, RBF etc... then load the generated hex into Electrum, verify it, sign it and broadcast it... easy 
The only catch that I can see, is that you need to manually calculate and specify the "change" address and payout... but that's not exactly difficult
Thanks for the info, and the effort. Unfortunately like most things in life, they are 10 times easier to do the second time you try.
1) Go to https://coinb.in/#newTransaction - this I can manage to do
2) Copy paste an address I want to spend - can do
3) Click "Advanced options" - Total success
4) I can now see the nLockTime, RBF, etc., but as you may expect, I don't know what to do here, and I don't want to lose my coins if I do something wrong
5) Generated hex - I assume I'll see some gobbledy-gook on my screen after generating "unsigned" transaction, and that will be the generated hex
6) Load the generated hex into electrum - How, where, when, why...etc. Don't want to lose my coins if I mess something up the first time I try
7) Verify it, sign it, and broadcast it - How, when, where, why...etc..Don't want to lose my coins if I mess something up the first time I try (when sending a transaction normally, I just press "send" - same here?)
8 ) Manually calculate and specify "change" address and payout - oh Lord....not "the catch"!
Like, I said the second time I do this should be 10 times easier than the first (if I haven't lost all my coins, of course).