Wow, you guys have really done your homework. Because I had no previous experience with NWN or Bioware, I just started figuring them out on my own. I would use a cheat to change some value, then save it in an extra slot, then load up the game again, cheat with a different value and save in another slot. Then I would use a hex editor to find the differences and try to sort it out. Thanks a lot for pointing this stuff out, I had no idea the sav was actually an erf. Everything makes so much more sense now.
This could make things a lot easier for me, thanks.