Yeah, but that is still one application. You might come fr enough with CDPATH and configuring .inputrc to do something smart with ^m and the %-character (for the root of your document folder).
If it will be enough, I don't know. It might be enough for some, but it is still something which can be done without getting the maintainers of openssh to agree with the idea of a clean ~.
If it will be enough, I don't know. It might be enough for some, but it is still something which can be done without getting the maintainers of openssh to agree with the idea of a clean ~.