Add vertex to edge (not subdivide) with Ctrl-Click

I think it would be very useful to be able to add a vertex onto an edge with ctrl-click or at cursor. Is there any intended support for this functionality? Can this be accomplished with a script? Namely:

Does Mesh.from_pydata append to the mesh or replace the data of the mesh as the relevant members (vertices) are read only…

hover mouse over the subdivide button on the T panel (in edit mode) and add shortcut (dunno if you can have ctrl+click(might be used already?) but I have mine set to \ and thats handy)