Based on your criteria, a HTML based tool with verifiably locally run only code on a non-networked computer...

The same way that you have tools that can do BIP-39 calculations, etc.

That doesn't mean that this option would be safe just that it would be safer.

And the complexity of it against the average non-technical mind is going to make foot guns a plenty. I don't see a good way to be honest.

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I think "non-networked computer" rules out the regular user.

Bingo. I mean, if you haven't cut out or short-circuited the radio, then how do you know? Lol. Footguns, footguns everywhere.