Basically the HTML is a small part of a larger whole.
The idea of storing in separate files might work, but ideally would like to keep everything in a single storage format.

The CSV format is because this is for use on a bog standard webserver, minus a SQL server and such like. The use here is that HTML is pasted/typed into a textarea box on a webform, (along with some other info) and is stored in the table.
The table is then queried and used to produce firstly a list of pages and then upon clicking on a link, they are displayed a web page with the HTML.

Kind of a CMS, mainly a get the design away from the infrastructure kinda thing. The people who will be typing the data will start by writing plain text, which would then have html tags added afterwards.

Commas are the killer at themoment obviously :-)