I'd rather lock files, but be able to unlock them, to be able to coordinate with others and proactively reduce merge conflicts.
I don't think I need to sell the value of DVCS over VCS, but what seems to get lost is that buys you a certain amount of essential complexity, expressed in the CAP theorem and its consequences.
We discussed this deeply on the Fossil forum: https://www.fossil-scm.org/forum/forumpost/2afc32b1ab
We came to no easy answers, because there aren't any. You only get a choice of which problems to accept.
The alternate method is that locking a file marks you as an interested party to a merge, allowing you to review the correctness of a merge.
This would be purely to avoid changes being lost during merges.