That makes complete sense.
I've been wary of collections in my short Kindle experience, because I have trouble wrapping my head around the idea of them not being real folders per se
-- in other words, it seems odd to me that documents that I've placed in a collection don't actually disappear into the folder, so it doesn't seem they've been cleaned up in the Home list.
But if I give Collections another chance and get them to work, your method of individual html files makes complete sense. I'll give that a try and report back!