Somewhat flummoxed with this lightning component.

The use case is simple: Intercept the save event on a record edit, grab the new field values and do 'stuff' *before* saving the record.

**Example**

 1. User edits an Account record and updates the Credit__c field
 2. User hits 'Save'
 3. Controller Handler intercepts Save, grabs new Credit__c value and does 'stuff'
 4. If stuff okay then go ahead with save 


Using **force:recordData** I can intercept the save, iterate through the *targetFields* attribute, grab Credit__c, do stuff and then go ahead and save or not. BUT I cannot see a way to show the record using the page layout (we have many complex page layouts so coding fields manually is not an option)

Using **lightning:recordForm** I can show all the fields as per page layout and intercept the save  but don't see a way to access the new field values *before* saving the record.

I imagine this is a fairly common scenario but I can't see a way through.

**Code for OPTION 1 : Using force:recordData**
*(you can access the changed data but do not have page layouts)*

    <!-- recordData.cmp -->
<aura:component implements="flexipage:availableForRecordHome,force:lightningQuickActionWithoutHeader,force:hasRecordId">

    <aura:attribute name="record" type="Object"/> 
    <aura:attribute name="recordFields" type="Object"/>
    <aura:attribute name="recordError" type="String"/>

    <force:recordData aura:id="recordHandler"
      recordId="{!v.recordId}"            
      targetFields="{!v.recordFields}"    
      targetError="{!v.recordError}"     
      recordUpdated="{!c.handleRecordUpdated}"
	  layoutType="FULL"
	  mode="EDIT"                      
    />

    <!-- This component does not provide page layout  rendering  so you have to manually display editing fields  -->
    <div class="Record Details">
        <lightning:card iconName="action:edit" title="{! 'Edit ' + v.recordFields.Name}">
          </div>
            <lightning:input label="Credit" value="{!v.recordFields.Credit__c }"/>
              <!-- show other editing fields here -->
            <lightning:button label="Save" variant="brand" onclick="{!c.handleSave}" />
          </div>
        </lightning:card>
    </div>
</aura:component>


    
    // recordDataController.js
    
    handleSave : function(component, event, helper) {
    var recFields = component.get('v.recordFields');

    // Iterate through new field value before saving and do stuff
    Object.getOwnPropertyNames(recFields).forEach(
        function (val, idx, array) {
            if (recFields[val] != null){
                doStuff(val, recFields[val]))
            }
        });

      if (isStuffSuccess()) {
        helper.saveRecord(component);
      } else {
        //show error
      }
    },


**Code for OPTION 2 : Using lightning:recordData** 
(you have page layouts but cannot access the changed data)
    
    <!--recordForm.cmp -->

    
    <aura:component implements="flexipage:availableForRecordHome,force:hasRecordId" access="global" >
    
      <!--Specify fields or use page layout fields -->
      <aura:attribute name="fields" type="List" default=""/>

      <lightning:recordForm 
         recordId = "{! v.recordId}"
         fields = "{!v.fields}"
         objectApiName="Account" 
         layoutType="Full" 
         columns = "2"
         mode = "Edit"
         onload = "{!c.handleLoad}"
         onsubmit = "{!c.handleSubmit}"
    	 onsuccess = "{!c.handleSuccess}" 
         onerror = "{!c.handleError}"               
      />
      <lightning:messages />

        <!-- This component automatically shows fields honouring page layout -->
    
    </aura:component>

.
 
    // recordFormController.js

        handleSubmit: function(component, event, helper) {
		  console.log("> handleSubmit");   
          event.preventDefault();
        
          // How to access changed Account field values?
	    }


p.s. could someone with more cred than me create a Lightning:recordForm tag so us stackexchange noobs can tag posts properly :)