Editing Web Page in Word

RTE is just one of many editors that can be used. There's even an example on the MS site for writing your own using their mshtml compnent. One thing that I've found helpful is to give clients a page that allows them to pull up and edit specific inlude files. This lets them vary content, while keeping the rest of the site intact. Kind of minimises the damage they can do.

You could save the includes to a db, but I usually keep them as separate files because I do backups when they go into edit on a page, and then allow them to select from a list of backups if they need to restore. Just a lot simpler with files than with a db. Easier to trim the older ones out as well using conventional tools.