[quote][quote]BTW, all of the servers that I admin all have default.php as a directory index - most "Hosts" wouldn't have a clue how to change it.[/quote]Must be an English or European thing. I have several domains and have gone through several hosting companies recently and none of them naturally handled default.php as the index file.[/quote]

All the hosting companies you've used need a boot up the backside then. It is literally 30 seconds work to change it to accept default.php...
[quoteThe problem with editing the files to use index.php instead of default.php (besides beginners not knowing how) is that once your store is up and running, people put it in their favorites so you need to keep default.php working for them.[/quote]Well, thats not strictly true. The person who went in from their faves would just error out to 404.
You do have a 404 page right ?
You could even make your 404 be default.php?action=404
And then pick up the $action, and give a nice error message...
Easy.