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SSIs are completely cross-platform cross-browser compatible and display in the browser completely seamlessly. They're probably more accessible than iframes, although off the top of my head I can't give any reasons why.
When I've had to use iframes, I've had issues with the width and height displaying differently across different browsers, and no matter what html or css declarations I used I simply could not get them to display properly in all the browsers I test in.
You can use SSIs in .html pages if your host allows it, or if your host allows you to put options directives in your .htaccess file.
I use SSIs for the top nav, left nav, footers, etc. (in conjunction with DW templates) on every site I work on. I can't even imagine trying to use iframes for that purpose.
Also, Im not sure I want/need all html files to be parsed, so creating the SSI directive for the htaccess file would require me naming every page. Also, I have tried playing around with htaccess files on my host...dont seem to always work, but I have little expierience with them to tell the truth. But seems that is the way to go. Thanks for the insight.
Although I would to never use templates at all, but they have their uses as a starting point for pages. As my web carreer expands, DW consistantly lacks what I want or need.
I also think iframes would be a poor choice for this use.