I guess that's a stylistic question -- is it generally preferred to include things like these as discrete files, or generate them on the fly?
Generate them on the fly all you want. There are oodles of advantages to it.
Probably top of my list is using a text editor rather than firing up DLTCEP when tweaking balance issues -- change the HP, or location, or resistance, or whatever.
Re: crash issues, I told my 1G switch to limit bandwidth to 10 and the problem went away. I've seen issues with Delay() causing sync errors in multiplayer before, and I see the ghoul script uses that. I'm going to give a shot at removing the script from ghoul and see if that resolves the matter.
Re: hosting, now that Weidu has ADD_CRE_ITEM, I replaced dozen or so lines for each such replacement I had done with INSERT, READ and WRITEs and am testing it. I'll send a copy when I'm confident this has no issues.