Problem solved. The bolt that holds the cable/latch assembly to the cross bar was loose, allowing the cable to catch/snag on the opening where Kiwimack has the screwdriver in the picture. Tightened it up and hopefully won't have anymore issues.
How did I get the seat off to see the loose bolt? I asked my wife to help. Put the bike on the center stand, showed her how the key would not turn fully in the cyclinder, pointed out the under the seat noises, explained how we we're going to remove the rear cowl and hope it gave us access to the latch, etc. Then she started asking questions, did you jiggle the key? Yes. Did you push down on the seat? Yes. Did you pull up on the seat? Yes! Did you jiggle the seat back and forth? YES!! Side to side? WTF!? YES!! I proceeded to show her everything I had tried to get the damn seat loose and dammit if the fucking thing didn't release and come loose. Crap. Why didn't that happen the day before when I was alone and and hadn't asked for her help???
SO as far as Anna knows, she is a wiz bang Honda mechanic and motorcycle issues are easily solved with a few good questions and 45 seconds worth of wiggling the seat. I stayed out in the garage for about and hour and a half after she went back in side.