If this is purely for branding / the user to PERCEIVE - then you should be able to use a . so long as you escape it before hand. There will be no real effect on SEO, so long as your url is friendly and not filled with PHP get characters or such like.
Long answer shortened down - It's perfectly fine - just make sure you escape the characters when rewriting in your .htaccess
Hope this helps!
NOTE: This answer assumes you don't want to create a different file type - simply give the perception of a different file type.
To rewrite:
http://example.com/file.html
Do this in your .htaccess:
RewriteEngine On
RewriteRule ^file\.swd/?$ file.html [NC]
The . escapes/nulls the period - it's important. Hope this solves your problem