I think you can just do NIP-17 without Seals. Just sign the kind:14 and encrypt it inside of the Wrap directly. That means that at any point the receiver can reveal the chat message in plain text.
That would break interoperability, but you could instead sign the rumor
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Why? The wrap can technically have anything in it. Do you think people are not ready to unwrap and not be a seal?
I'm not aware of any specs that work that way. Coracle basically just throws away the seal if it doesn't fit NIP 59
So stringent :)
But yeah I understand