Hardening WordPress: File permissions

I just got done reading the Hardening WordPress article and have a question regarding File Permissions

The article suggests a possible permission scheme. But my question is, do the WordPress files arrive ‘out-of-the-box’ with a permission scheme already in place? i.e. are file permissions already locked down without me doing anything?

UPDATE

I noticed on the Changing File Permissions article a note which says

NOTE: If you installed WordPress yourself, you likely do not need to modify file permissions. Unless you are experiencing problems with permission errors, or you want to, you probably should not mess with this.

I assume this goes for folder permissions as well?