In case anyone else wants this functionality -- in response to the inquiry tim, I'll be adding a "do not submit to Stellar" flag along with the transaction, which will default to false (or a submit to Stellar flag, which defaults to true, have not decided yet). Depending on the value, it will sign and return the XDR to the user without submitting it. Combined with the callback url, this should allow services to manage how they want to handle the XDR, and also enable better interop with other multisig coordinators (sign the transaction and, pass it back to another coordinator).
This is looking more and more like SEP-0007 protocol as I progress -- so I may end up changing it to support that spec as well (even though I wouldn't register a handler for it).