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Yeah, I don't like the 13 week power down, it's too long.

Probably a good thing for already locked stake to avoid DPOS vote weight collapse, but for earning to pay for goods it's lame imo.

Actually there's such an option. It's called transfer and if your content is so good that people would send you HBD then good for you :-)

Despite exclusively posting to Hive this doesn't seem to happen, lol.

I don't think there would be any negative effect to Hive by allowing 100% HBD post rewards, if anything it'd encourage me to post more frequently.

You posting more frequently is neither positive nor negative for Hive.
You dumping your rewards instantly is negative for Hive.
Powering up is positive for Hive.