1. if you solve problem 2, you don't need to solve problem 1.
Actually, the condition two of question 1 is the important part: In order to use {.dequote to successfully unleash external macro execution, there must BE no quotes (bug?)
2. use {.dequote|{.load|file.}.}
it will just remove starting and ending :} (if present)
removing them will unleash the execution
By testing a little, I have found the following:
using {.load| only (no dequote) will just read out the file specified (if there are no {: :} tags).
Using {.load on a file with quotes seemingly stops macro execution for the remainder of the request. (in the Rawr template, this leaves a bunch of uninterpreted macro code visible on the page)
Using {.dequote|{.load| on a file that has any {: :} tags (macros included or not) also has the effect of "crashing" the macro interpreter.
However, using {.dequote|{.load| on a file that has macro commands but not comments will allow the external file's macros to be executed as expected.
By the way, I am testing this using build #185.
On a side note, how would I go about escaping the percent signs when writing using {.append or {.save?
The purpose of my problems is that I wish to try to save bandwidth by only allowing logged-in users to edit thier own posts, (currently the post is transfered twice, one for display, one for editing) and an example code that could do this is:
{.if|{.=|%user%|hard-coded-username.}|output editor code|otherwise don't do anything.}
(in the outputted file)
Unfortunately, if I write %user% anywhere in a template or macro HFS of course interprets it and fills in the username

whether I want it to be written to a file or interpreted like normal

.
I have setup a sandbox site to demonstrate what happens
Here. I think all of the test posts inside are named the same (check using ?tpl=list&folders-filter=\&recursive)