Only the first is worth putting on BugZilla - the 2nd would be pointless with the current ref system, so it's best just to consider it part of the suggestion for a new system.
I've put it on bugzilla, with a patch which should do it. The error goes at the bottom with the <references/>, since there is no way while parsing the <ref>s if text will be supplied later. See http://bugzilla.wikimedia.org/show_bug.cgi?id=11426