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Yes, I'm not about to give an extension "read all information on all web pages you visit" permissions.

Based on what I've been reading, it's probably so they can sell the extension to a malware or adware company, or receive proceeds of crimes from them in exchange for providing data of extension users.

Absolutely. No need to climb the gutter, in spite of some better scenery, when there are direct stairs.

The engine must use some repository: it should be directly accessible.