using "save as" to determine the filename for saved files works in simple cases but wouldn't be effective in cases where hundreds of documents need to be generated. As for a macro overwriting files that a user wanted, or putting files in a place a user can't find, for the use-case I had in mind the location would be well-known and hundreds of generated documents would have generated filenames to help ensure uniqueness. Is the process fool-proof? For those two requirements it can be, depending on the author of the macro. And if a random user is generating hundreds of documents on his own computer and doesn't know where the files should go, the macro can allow the user to choose a directory and optionally choose a filename pattern. This are not big problems and it's very common for people to want to generate lots of files all at once. The filename/location usability issue has nothing to do with macros in this case.
As for accumulating all the output of a macro and saving it to a single file, I doubt that would work for large workflows. I used to work for a company that made document automation software using Microsoft Word and Word was unable to handle very large documents or large numbers of open files. I doubt Openoffice can scale to the volumes my customers needed either; consequently the documents have to be worked on in a one document per file at a time fashion.
As for your comment about non-templates never needing macros, I'd have to say that I partially disagree. I can think of hundreds of examples where spreadsheets may require macros. However where I will agree is that these macros are not likely to require dangerous operations.
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