I\'ve modified my .htaccess file to have the following statement
RewriteCond $1 !^index.php$
RewriteRule ^/?([^/]+)$ index.php?c=home&m=details&seo=$1 [L
If you want files to trump products you could toss in another condition:
RewriteCond $1 !^index.php$
RewriteCond %{REQUEST_FILENAME} !-f
RewriteRule ^/?([^/]+)$ index.php?c=home&m=details&seo=$1 [L,NS]
...meaning that only if the requested URI doesn't map to a file should it be treated as a product.
Having files trump products like this isn't terrible unless you plan on having products with names like "something.html" and "dynamic.php" or "lenna.jpg".