well thank you my good fellow with such a polite reply. anyway, I meant to imply that I got everything working fine with your wonderful advice on how to set folders and files. I most likely didn't explain myself clear enough when I was referencing the codex vs your advice.
It doesn't actually say which *** number chmod to set, but I was pointing out such as for the admin folder it says to set it all file writable only on a user account. I took that to mean I only set the "owner" section of chmod to write, in which case would not result in a 755 or 644. so I was just trying to find out why the codex would suggest that, among other variations, and you would suggest as you did (which works exactly as it should, and I'm not to imply it is incorrect because I'm sure you know better than I). Anyway, again, thank you for your help.