Thanks for the feedback.
I personally don't think any SEO Question is Naive, there are so many permutations and possibilities. And if you work with a large company and Large Dev Teams with Legacy Systems you are often put in scenarios that little questions like this are important and can dictate how entire scope may or may not be realised. I am compiling a comprehensive URL guidelines for my Devs (which I will certainly share with the SEOmoz community when complete.)
A little sideline note: Someone once told me Pipe Characters "|" won't impact a URL string. However, they actually frequently break, get truncated or double encoded when being crawled from Google/Bing with little rhyme or reason.
The question about Brackets/Braces Stemmed from this link from Coke. http://www.cokeunleashed.com.au/wagsallowance.jsp?mkwid={ifsearch:s}{ifcontent:c}WVnyieg7&pcrid=13521527730