1. Still happens with all plugins disabled. Do you want me to try removing them all?
2. I'm sorry to say I don't follow your reasoning on this. The editor is either language-aware or it isn't. If it's handling a PHP file, it should follow the rules for PHP strings even if that happens to be different than some other language.
This leads me to a more general comment about bracket matching (because I'm sure that's what is going on with the handling of quote marks in my case). I find that Rapid adds the closing bracket even when it probably shouldn't not. For example, if I have the expression
and I want to wrap it with another function, I place the cursor in front of "function" and start to type the name of the other function. Once I enter the opening parenthesis, I get closure:
Clearly what I'm after is just getting the opening parenthesis, after which I will navigate to the end and add the closure.