Hi Kent, so far for the moment the viewport drop operation are more related to scene management rather than scene creation. By that I means except for an asset being loaded which create new elements (scene, object, material, etc...) other drag command are just here to act on the active object.
So regarding drag operation for file, only DRAGTYPE_FILENAME_IMAGE is allowed and an object should be selected, then a texture tag will be applied to this object and a new material with the texture will be automatically assigned. DRAGTYPE_FILENAME_SCENE is not supported.
For DRAGTYPE_ATOMARRAY it is only allowed for some particular categories, like layers to be applied on the active object or even materials for the same condition, so in any case the layer/material should already be part of the scene.
So for the moment the only workaround would be to create your own temporary asset and pass this asset to be inserted into the document. For more information about the asset API I let you read Asset API - Handbook but this is S26.0+ only.
Cheers,
Maxime.