Drakla, thanks for the reply... though it's not what I wanted to hear.
just to clarify (hoping there's another answer), my site users will enter their desired layout once, and I'll store it in mySQL. There is no further user input involved (which is what htmlarea seems to be about).
Without using one of the htmlarea products, would I be able to simply substitute HTML tags into the data as I process and save it?
Maybe that's the same question I asked originally.