I have a flat-file HTML website with just a handful of pages, for which I'd like to use CKeditor for inline editing.
- How do I add a username/password option? is there a plug-in or script?
- Allow CKeditor to save changes on my server?
- Allow CKeditor to save changes on my server and make a backup of the original file?

All these things have in fact
All these things have in fact nothing to do with the editor, this is the stuff that you should implement server-side by yourself. CKEditor works just like a standard <textarea> element added to your page and you need to implement the functionality mentioned above in the exact same way as you would need to implement it if you were using a <textarea>.
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Of course they have nothing
Of course they have nothing to do with getting the CKeditor to work. But it has everything to do with whether to implement it.
No authentication, no CKeditor.
I am sure others have had to comptempate this very issue. If anyone has, I'd appreciate some suggestions.
You're basically asking how
You're basically asking how to build a web application with a backend. There are hundreds of ways, technologies and approaches. Frameworks in evey possible language, full CMS-es or even hosted SaS solutions. It's like asking how to make dinner.
Piotrek (Reinmar) Koszuliński
CKEditor JavaScript Developer
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I am aware that there many
I am aware that there many solutions, for example, I already using Drupal.
But I just thought there might be someone who has a simple HTML flat-file site, who has a simple solution. I have no idea whether a simple single script is all that is required, or whether I have to implement a more sophisticated framework.