Why webloc? I cannot see that they do anything, more than a URL file.
They are very handy in a couple of ways. You can double click on it and your browser will open (if it's not already running) and take you to that page. You can also drag and drop them into an open browser window, which will also then take you to that page. Neither of which you can do with the text of a URL.
It is a nuisance though that they are Mac specific, just as dragging a URL to the desktop in Windows creates the same kind of item as a webloc file that doesn't work on the Mac.
As mentioned, you can drag the URL into a rich text file where it will become a link, which can just be double clicked by a user on either platform. That's about the easiest way I can think of. It's either that, or plain text. But that would require copy/pasting the URL into the browser's URL field. Nowhere near as convenient.