Aleck
There's a recent thread on the polychords you suggest posted by Tonnie who's another real pro BIAB user like yourself.
It would be worth bumping that thread by adding a plus 1 to his post or even do a new thread on it for added effect. I'll certainly be supporting it.
I feel exactly as you do about the tertian spellings which don't always give you the full voicing anyway even if you can find an inversion that approximates the polychord. Besides when a soloist sees a chord symbol of Chord X /Chord Y they are more likely to respond to it differently than if it was spelt C13b9#11b13 or whatever.
Regards
Alan