The answer to the first issue could go either way, although I lean
against it. The default template allows users to change their
'skin (CSS)', not the template. If you meant "allow users to
change their skin", then nothing about the default i18n location
will prevent skin-changing in any way.
You're right, my fault. Forget it, I wrongly remembered that a user
could also choose the template and not only the skin.
You're not entirely off - actually any page can set the template by
setting
[{SET jspwiki.templateDir='<templatename>'}].
This is an undocumented feature, but it's sometimes useful. It is
also possible to set the template by adding "&skin=<templatename>" to
the end of the request manually. For example, the "View source code"
from the More Menu works exactly this way.
Yes, I know. It is a terribly confusing and wrong parameter name,
but it's very old code, before we had real skins.
/Janne