I'm all for lowering HBD interest, Keeping it close in APR to hive feels like a good thing overall, neither are better you can do on or the other or both.. HBD as it is now is the best way to get a return on the HIVE blockchain overall.
As for the second proposal. I assume this doesn't effect the 50/50 split on post and curation rewards?
It wouldn't affect the split, it would reduce the rewards for the curator and the author. Curator would make the lost amount simply by the virtue of holding more HP, as now that lost amount goes to passive hive inflation.
Cool, figured that's how it was, wasn't 100% sure.