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I see what your saying and it could be done but as mentioned it has security issues and that makes it a bigger job to do right. (templates on the other hand are done via web)
Having said that I'll also say that FTP is very insecure IMHO. But FTP can be faster than a web based method. You can set-up FTP (or much preferred a secure method like SFTP & SSH depending on what your options are at the server) to be almost drag and drop easy.
Don't forget that you can add your own stand alone scripts including file management if you prefer a GUI. Maybe a file transfer script, MySQL front end, and server log reporting. They don't have to be XOOPS specific scripts. These functions are actually best done outside of a CMS like xoops. You aren't dependent on a working core in order to manage it or any problems.