Here is some apache documentation: https://httpd.apache.org/docs/current/mod/mod_include.html
It didn't feel "real". I had never seen web pages with those extensions. Frankly, I hadn't even seen .html pages in several years because everybody edits the .htaccess file to prettify the URLs.
I ended up biting the bullet and going with PHP. Surprised to learn that there still isn't anything out of the box that handles this.
SSI like those from apache acting in otherwise the most privative form of server just using paths and no routing produce the kind of repetitive HLML that iframes via the client produce.
[1]: http://sgmljs.net/docs/producing-html-tutorial/producing-htm...
There really should be an <include> element. e.g. https://www.w3.org/TR/xinclude-11/
Of course we all know something like:
<?php include 'menu.php' ?>
But in order to get that working, the site can no longer be HTML-only, it will need a web server and pages must be titled .php. This assumes most people are building multi-page sites, and not those one-page "link in bio" style pages.