Well I think you've managed to spec yourself out of any reader, you are going to have to give on one of the requirements.
Anyhow the two closes ones based on your req. are:
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Bookeen Cybook Opus e-Book Reader (found by Hughes excellent (
How to Decide web site.)
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EZ Reader Pocket Pro
The Opus doesn't support RTF/Docs but does have folders. The EZReader supports Docs, but I don't know if it supports Folders.