I wouldn't beat yourself up too much about a "contract with the user". I can pretty much guarantee they aren't reading the contract. There is a big difference between what people say they would do with regards to privacy and security and what they really do. (See www.nytimes.com/2019/04/30/opinion/police-phone-privacy.html - link corrupted to avoid moderation). The com.apple.security.network.client is about as benign as it gets. And speaking of said contract, where are your users supposed to find it before they download from the Mac App Store? Is the contract really with users or is it with Apple? And does Apple care about this entitlement?
The "funkiness" I was referring to was your use of QuickLook. If you just want to do a QuickLook generator, that's fine. It doesn't need any entitlements because it will be running under a system context. Otherwise, I'm not sure what is going on with Quicklook and your app.
How "HTML" is this HTML file? If it can be rendered a plain old rich text, you can just convert it and display it as an attributed string. There could be some 3rd party HTML rendering library you could add to your app. That seems like a huge price to pay for an unread contract.
I am not able to verify if I can display a plain WKWebView without the network client entitlement. I tried to hack up my app to do that but all I managed to do was corrupt my project. Xcode likes to randomly delete schemes and when that happens, they cannot be recovered by means. I guess they are stored in the user Xcode files that change with every mouse event, making them ineligible for version control.
But in any case, Apple doesn't care if you use the com.apple.security.network.client. No one other than Apple will ever know if you use that entitlement. Yeah, you could use that harvest user data and upload it to your servers. But you would have to have a really popular app and do that for a couple of years before anyone, including Apple, would notice. Essentialy, you are just wasting your time. If you need to display an HTML file, and you need this entitlement to make the system frameworks do that, the matter is resolved. Add the entitlement and move on with your life.