>they're basically numerals fitting lowercase characters
Nope. I think you may be forgetting what Georgia looks like: http://www.identifont.com/samples/microsoft/Georgia.gif
>Numerals that are all at the height of upper case would LOOK LIKE THIS IN TEXT ;-)
I disagree. Lots of fonts have numerals that are the same size/location as the rest of the text. http://desktoppub.about.com/od/glossary/g/Lining-Figures.htm