Hi Fred,
I don't really know 100% for sure if QD does not support www. I hope someone can respond to this. You can actually opt NOT to use xql files since it will still get your query in tcl files like the old ACS 3 days.
In my experience with some production OpenACS 4 sites I have yet to encounter an xql file in my www. I encountered this problem when I was first trying out OpenACS 4. Most of the time I use packages or if the files are in www it just uses a tcl DB api that originates from one of the packages.
If you would be doing some complex stuff in www I suggest try looking at extending an existing package or creating a new one.
