Brandon,
Saving to a html file refers to the single file version. It all depends on the saver operating at the time, In recent release and the pre-release there is additional support for choosing the save filename and more.
To some degree you are talking about hacking the save mechanism. I think I understand what you are doing but you have being too brief.
"don't look built for quick tiddler creation / organization" I have no idea how you conclude this from what you have said and I disagree with it.
I for one are on a long an slow journey to do some hacking in this area, but I can hardly explain it myself, but to respond in detail to such a short post is impossible.
More Information please
Tones