What I would like to do is pre populate an SMS similar to how you can populate the subject line of an email with ?subject on mailto: links.
I don’t want to automatically send the SMS, or the recipients, just the copy (which the user could edit). From what I’ve read it looks like sms: only allows by specifying the recipients, or nothing at all.
Can this be done with sms:? Or does it require native code (for iOS/Android)?
Short answer: No.
Although this would be helpful for web developers, neither Android nor iOS allows this to be done through urls.
Apple has a list of recognized url schemes here.
If you’re developing an app with phonegap however, this can be done programmatically using plugins like SMSComposer for iOS and SMSPlugin for Android.