thanks for the reply...
with regard to subdirectories issue:
1. i would want to avoid users--including myself once i got apache set up--from mucking about in the /Library directory! not a good idea IMHO.
2. i've had terrible experience with aliases when it comes to system files in OS X, such that my principle is don't do it. i created some hard symbolic links and mucked things up badly before.
3. i did find a suitable solution, which is to create an account with www.dyndns.org and set up free domain names linked to your ip (or dynamic ip). then you can set up the httpd.conf file to use virtual hosts, which is pretty easy to do. so each user can have his/her own domain name and have that go to anywhere it his/her user directory.
with regards to bbedit, yeah sure i can code a simple link. but so what? bbedit has a whole markup toolbar to do nifty things wiht GUI like inserting inline images. The one thing I can't figure out immediately is how to create a link with that toolbar.
unlike many hardcore html coders, i'd rather use dialog boxes than manually do all the tags.