Well, my experience was, that it is not more complicated.
That was my suprise. My first thought was, oh oh, Unicode (of course I knew what it was), this is giving me headaches.
The notepad argument is not valid. Because for all HTML code, that is not generated, you hardly use any characters in the range 128-255. And if so, you can use &imul; etc or &#...; codes.
Only in PHP, you sometimes have to be aware that you are dealing with an UTF-8 string.
Atlhough you don't need it, you have a good growth pad for internalization. You never know what happens with your software.
I looked to the sites, that use UTF-8. Google is using it, Wikipedia (English), but not Yahoo. And tested Yahoo mail, indeed can not receive messages in UTF-8 properly. Rather stupid. And it would not be a problem, if they started with it from the beginning. Now, they have a problem to get it all fixed.