Where does that transaction sit in my scenario?
It will be rejected by nodes including the one where your client is connected; non-broadcast transaction won't exist in the blockchain.
The description of your scenario including your previous replies require CLTV scripts to work, but instead of sending to an address behind your no-passphrase seed,
the funds needs to be directly sent to a P2SH address which has a "
rule": [
Read BIP65]
IF
<your pubkey> CHECKSIGVERIFY
ELSE
<expiry time> CHECKLOCKTIMEVERIFY DROP
ENDIF
<your heir's pubkey> CHECKSIG
You can spend the funds sent to that address whenever you want (
timer starts after the transaction), but when the expiry time passed, your heir can spend it instead.
It's also possible to use the funds without creating another script by using it as the change address (
but that involves address reuse!).
The problem is there's no known non-custodial client that utilizes those scripts