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HTML, CSS, and JavaSript are the most common examples of clientside code.
PHP, ASP, ColdFusion, Apache, Perl, and CGI are some examples of serverside code.
You don't actually choose CF or HTML. You choose to use CF or not. In fact you choose CF, PHP, or ASP (and maybe one or two others).
If you use CF you will most likely have HTML inside your CF (if/else, etc). As long as the final rendered page looks the same as what you would do if you made the page without CF (statically) then you have achieved your goal.
Remember google, msn, and yahoo don't register and login. They won't be able to detect member content so you shouldn't worry about SEO in regards to html you send to members though someone like me would copy your code and validate it just to see how good you are. ;)
Hope my second post helps better.