also, are there any 'open source'/free ftp gui client apps that handle ftp over ssh?
All of them do.
In command-line mode you add the "-L 21:localhost:21" option to the 'ssh' command, then ftp with "ftp localhost".
(Linux and Windows both include a command-line ftp client in their distributions.)
For other clients (GUI, ...) use the equivalent commands and options.
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