You can look at some RPCs on bitcoind, or write a bitcoinj program to do it. If that's beyond the level at which you're comfortable then yes, it's not quite ready yet.
We know it's frustrating to wait for these features. But currently almost all development work goes onto "boring but necessary" things like performance, security, basic professionalism (like code signing, unit tests, etc).
For 2-factor coins, the first step is indeed the payment protocol. Once that's done it'll benefit the Trezor project too, which I think may end up being a superior solution to 2-factor wallets for keen/power users, and will certainly be finished first. 2-factor coins will end up being a half-way point between "single factor wallet on your PC" and "single-factor dedicated hardware wallet".
Because the payment protocol work benefits both projects, and isn't currently making much progress as Gavin is busy, any effort expended there helps everyone. There's a TODO list here:
https://github.com/gavinandresen/paymentrequest/blob/master/TODO.txtso if you have some programming ability, why not help out.