Okay, so the 10 block lock cannot be worked around but it allows for refund transactions which weren't able to be done before.
Tx chaining allows you to sign a tx that has not yet been mined, so for eg. we create a 10 XMR output, then we can immediately sign off a second tx that sends 5 XMR to me and 5 XMR to you even if the first one is not mined yet. That way we could have a "refund" mechanism that was a key thing missing to port the LN to Monero as noted here: https://monero.stackexchange.com/questions/12143/what-parts-of-bitcoins-lightning-network-can-be-ported-to-monero
Even if each tx needs a 10 block lock between another, we don't need each other's private view or spend keys to be online to spend the output so we are safe that the "refund" tx can be broadcast and mined
This allows us to create some payment channel designs as kayaba notes here: https://x.com/kayabaNerve/status/1788959848110985658
His latest comment on it (timestamped):
https://www.youtube.com/live/jxPulIjhXwg?si=yA4GfbOKXl6JXRbL&t=5847
Discussion
ya basically
a LN alone will require way more to work like using multisigs, timelocks, penaltys... Monero will have to hack around all those things together without scripting to work