I have settled on a format, I understand about apache, redirects, file extensions, and SEO. I am pretty sure (and it seems to be confirmed in the link to the Google Webmasters in the first question) that I understand but it just seems wrong...
mysite.com/directory/specific-page/ is OK for a file, right? (with trailing slash "/")
It doesn't necessarily mean that it is pointing to the index or default file in the /specific-page/ folder, right?
It is significant mainly because while I am using blogging software for my blog, I am hand-coding (to retain more control) the rest of the site. It is entirely plausible to me that WordPress would, rather than creating pages/files would actually create directories with index/default pages in them.
Up until now, I always thought that the trailing slash pointed to a directory's index page but that appears not to always be the case, is this correct?
Sorry, I feel like this topic has been well-discussed, but that is part of what is causing me problems.
I should note, I was leaning towards omitting the trailing slash from all pages, CMS generated or not, until I found this article from 2008 about the lack of a slash causing problems with Pingbacks in WordPress.