I searched for a breakdown of the suggested directory folder permisions and found an excellent one at the Codex.
It also said: "In a WordPress install, two files that you will probably want to alter are the index page, and the css which controls the layout." What does changing these files from rw-r-r to rw-rw-rw (644 - 666) actually do?
Also, just for clarity's sake, and to double check, if I add custom rules to the .htaccess should they be placed above # BEGIN WordPress or below # End WordPress, or does it matter? Thanks.