I'd certainly be interested if you (or anyone else) wanted to help out with content generation. In fact one of my aims of posting here on ModDB is to try to get people like yourself involved :)
Basically, I came to the conclusion recently that I am probably going to need some help to make this game reach its full potential. For example, people keep sending me ideas, but I don't have time to implement them all myself; but neither is there any way for people to add things on their own (except by editing the data files, which, as you have noticed, are not really flexible enough to do the job). My solution to this problem is to open up the data files a lot more, so that the community can start adding their own content to the game. This is why I wanted to add Lua support. Also, as you point out, a lot of the restrictions etc will have to be removed, but hopefully that should not be too hard.
So, in summary, yes, I agree with everything you say :) Just give me a bit of time to start making these changes, then, we can see how it goes from there...
Stephen_T
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