HAMPST  Just in case anyone is wondering, I have donated and the ads are still there. It's not really a big deal for me and I hesitate to complain too much about what is otherwise wonderful software.  
(Version 3.3b5)

HAMPST  Hello again.

How frustrating for you. I just experimented by inserting images in several formats (pict, jpeg, png, pdf) by using both the Insert command and drag and drop method. The resulting document (.rtfd) displayed correctly in Bean and other text editors.

I should say that I am using the latest non-beta version of Bean and OS X 10.5.6.   
(Version 2.0.5b)

HAMPST  Hi FREE_DEVELOPMENT

Bean does allow you to add images, but not with all file types. You can use "Save As..." to select a file type that handles images. i haven't tried them all, but the .rtfd extension does allow images to be included in the document.   
(Version 2.0.5b)

HAMPST  If you want to replace some text within a highlighted selection use the "Replace All" button, but hold down the Option key first. That should do the trick.  
(Version 2.0.3b)