Right... The latter statement is all I'm asking for.

One of a few examples - I'd like to be able to break out a phrase, or a pubkey (whatever format necessary) check the balance (wait a few minutes while scanning utxos) then make it vanish. No connecting to outside servers since I have a copy of the network local. No need to store things on the server and trust the server either.

So electrum sounds good, but see my other comment.