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I suggest using CSS along with SSI.
Just like the navigation system on this site, you can control font color, font size, font weight, background color, etc. with css.
I would also suggest puting your navigation menu system in a SSI file and calling it from your html pages. This way if you have to make a change to the navigation, you only make it once.
[validator.w3.org...]
Many browsers will not go into "quirks" mode (or however it's spelled) and load Your pages generally faster than without validation (I think this doesn't concern IE though, but I'm not sure about it). :)
Also, i noticed that when i navigate using the "back" and "forward" button the pages load instantly.
This behavior is maybe most likely a function of the information already being cached by the time you begin navigation in this manner....
As to instantaneous loads: at work we have T-1s. Even with this setup which is MAGNITUDES faster than my 56k dial up at home, I have yet to visit an uncached/new site which loads instantaneously - and many of the sites I use at work are VERY well put together (I'm always looking at source on great sites, because if there's a better way out there to do something, I want to know it too....)
You might have to accept "not quite instantaneous".... or maybe one of the REALLY bright people around here has the answer!