Can you update Tables of Contents, Indexes and Footnotes using the non-MS Word editors, after making changes to the document? That's hugely important; without that capability, what's the point of looking at RTF? Might as well export as PDF and forget about tweaking.
Tom ..... Not sure who you are addressing this to, but my experience so far has been that Word works to edit an rtf document. I was not able to do that with Word Pad, OpenOffice, or with several word processors on my Mac side. It must be some weirdness (aka not rendering correctly) with RootsMagic. But for myself, as long as I can edit an rtf in Word, I'm a happy camper.