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Yes, that's easy for you and me; that's the way I do it as well. However, many of the users at our forums don't do it that way, and won't do it that way. If we converted our forums to Xoops, they would go absolutely berserk about this truly bizarre and inconvenient text formatting system.
I did try to look into kiovi, but after a couple of hours time could not find any step by step instructions for adding it to the XOOPS forum module, so I gave up.
It looks as though as much as we like the community features of Xoops, it's just not going to work out for our site at this time. The impression we get by using this site and these forums is that it's more suited to developers and other technical types, because there's not much straightforward, easy to find documentation for the non-technical user. Of course, your experience may be different; that's just the impression we've had after trying to find an alternate to the standard XOOPS text editor and not having any luck at all.