podz,
You are correct in at least one instance. I installed wordpress for the first time last night on my own server (running Microsoft Windows, running IIS). I didn’t receive a file list but that is only because my server is configured to disallow file listings. I received an error 403 page instead, which is what displays whenever one of the default file names is not found in the specified path. I added index.php as one of the default files that the server recognizes and that fixed it.