[dokuwiki] phpmailer passwords and filenames

Howdy peoples,

I'm planning out my PHPMailer solution.  Some SMTP servers require a username 
and password.  Is it safe to store this in plaintext in a conf/ configuration 
file?  SMTP requires that it be base-64 encoded, but MD5 is irreversible.  
.htaccess protects this directory, but does it do so for everybody?

If this isn't a good idea, what should I do instead?  Should I allow the user 
to specify a configuration file outside of the site directory?  (Perhaps a 
conf/ file would optionally redirect the PHPMailer plugin to another directory?)

Also, what name should I give to the PHPMailer conf/ configuration file?  I'd 
like the file to be specific to PHPMailer to allow users to switch among 
mailers just by changing $conf['mailer'], should other mailers eventually 
arise.  What name should I give the PHPMailer DokuWiki plugin?  Where should my 
splitbrain write-up suggest the plugin be put?  I presume it doesn't belong in 
lib/plugins.

I could have conf/phpmailer.php and stubs/phpmailer.php, complimenting 
PHPMailer's own file PHPMailer.php.

Do we need a special directory for stub plugins?  A stub is a translation layer 
between two applications.  Perhaps PHPMailer is just the first and other kinds 
of stubs are down the road?

Thanks!
~joe
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