I use LibreOffice - it's free. I don't "bother with styles", I use them to good effect. Similarly I use th spell-checker to good effect - by keeping it up to date with character names and so on. If Scrivener had proper access to styles, and better support for story threads, then I would use it. I like many of the word processing features of LibreOffice (smart quotes etc., the various hyphenation "corrections" and so on). I use sections and a master document to let me work on chapters separately. I use LibreOffice for my other work as well, so it's not something new for me to learn. In short, I don't think I'm one of your target audience.
When you speak of "plain text" you are not clear whether you may mean UTF8, or whether you expect the user to mark-up non-ASCII codes in some way.
I'm not saying that it's not an interesting idea, just that it's not something that I would use.
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