Brett, thanks again. You always seem to be one step ahead on solving the needs that I'm just dimly becoming aware of. I did a Vim tutorial the other day and really liked the bindings but I also love TextMate and wasn't ready to let go of that. This is really useful for getting me started on pimping TM. Thanks again!

I agree TextMate is better with emac style bindings, in theory. As you describe, there are three keyBinding files with possible consequence to TextMate's function. On my computer they live in:
/Users/Tim/Library/KeyBindings/DefaultKeyBinding.dict
/Applications/TextMate.app/Contents/Resou...
~/Library/Application&#092 Support/TextMate/KeyBindings.dict

According to your blog, the /Application.../KeyBindings.dict takes precedence over the ~/Library.../KeyBinding.dict file, though I was always under the impression that the user defined file had the final say (see http://www.hcs.harvard.edu/.... Also, if the menus in TextMate define a key stroke short cut, none of these keyBinding files seem to carry any weight. To over-ride a menu defined quick key, one has to use the System Preferences > Keyboard menu. Another observation is that the nomenclature is inconsistent as the KeyBindings.dict file might list ^T to mean control + capital-T (require shift + t). But in the menu items ^T means control + T-key.

And defining:
"~t" = "transposeWords:";
Does not seem to work in any cocoa apps though it does work in terminal.

Overall, this system stinks--too many sites keep eyes on. Too complicated to be of use to anyone but the most militant keybinding demanding folks.