Is there a law that says you have to use an actual UART as a UART?

Why not use a cheap less-than-three-dollars-in-single-quantities microcontroller that has plenty of ram in it for a few buffers and plenty of IO lines for multiple UARTs, if desired? The chosen microcontroller would not have to be programmed by the board user; it would just be a UART or whatever you tell him it was and "factory preprogrammed". All the trouble with baud rates and inflexibility could go away and perhaps the microcontroller could be purposed for multiple jobs. It's a UART/keyboard/mouse/eeprom programmer thing.
Maybe that's the issue with an educational board...the user knowing how every piece works. But maybe the focus is rather on getting low-cost 65x systems to the kiddies and not education. I don't know.
If I were to do this board, I would have a microcontroller that could do 75-100 MIPS sitting on the board which would be hooked up to a serial terminal. The micro would also clock the 65CX processor. That's right, clock it. With such a getup, you could send commands to the micro and implement single-step debugging, register/variable watching, dump/watch memory, breakpoints (address OR data), etc. If those things weren't desired, the micro would clock the 65Cx processor at full speed: 20/14/12/whatever-you-want MHz.
The micro could also do the address decoding between SRAM banks by watching the high bits of the address lines.
That $3 micro could also be used to boot 64K of RAM from a 64K serial EEPROM. The micro could program the EEPROM when it's attached to the terminal (or hyperterminal on the PC). No run-time sobbing about wait states from slow EEPROM. 24C512 EEPROMs are cheap.
The same micro could also be used to interface to an SD card for nonvolatile storage. Why worry about all the different EEPROMs or EPROMS or FLASH. SD card's are cheap and so are their PCB-mount sockets. They also have tons of capacity. To make it happen the micro could watch for the COProcessor opcode by watching the data bus and the SYNC(?) line. The micro could be memory-mapped, watching for addresses that talk to it (it may be doing address decoding for SRAM chip selection already anyway).
You may disagree with any or all of this...but there are lots of options there and they sound pretty inviting to me, especially when considering a medium-powered, low-cost board for beginners...especially the debug options that possibly don't plague the 65Cx with special-case software just for debugging.
rough BOM to make simple system happen:
24C512 serial EEPROM for booting
2 32Kx8 SRAMs1 for run-time main memory
65Cx processor
1 <$3 microcontroller for clocking the CPU, UART (host machine), bootloading, debug, DMA, address decoding, your wildest dreams, or some combination of these
1 MAX232 or clone
right-angle DB9 connector for serial comms to the host terminal
VIAs/PIAs if you still like
A lot of this is off the top of my head, sorry for any incoherence. Oh, and I may know just the microcontroller!