I am not part of the BE dev team, I am developing this as a 3 party..... But will actually require A TON of changes to a single BE instance and will not be part of the BE upgrade path unless it is inducted into their release patterns.
Maybe they will make it part of the system.
Just to add the situation of refreshing the page to insert a file \ picture is rediculous. The solution as it stand now can include a file \ picture at the current caret position.
However BE is an amazing framework and i think they can do wonders with it... Just takes some patients.