I'm just a little curious why anyone with a Windows machine *WOULD* use file:// access.
At least anyone with any version of Windows other than the "Home Basic" version.
Even with "Home Premium" (or "Home Extended" or whatever the name is for a given Windows version) in Windows XP, Windows Vista, Windows 7, and Windows 8 (and even Win95 and Win98 if anybody cares), you *DO* have IIS available to you and it's trivial to set up and then use.
Granted, the basic version of IIS has some limitations. For example, you are only allowed one "domain" where you can support multiple domains on any Windows Server version. But those limitations have only given me problems maybe once or twice a year.
So I haven't ever used "file://" except occasionally to test out assertions in this forum that it doesn't work (and it doesn't).
And in any case, if you ever want to publish code to a real server, testing it first in IIS on your home machine makes lots of sense.
If you *ARE* stuck with the most basic version of Windows, it's really not much cost to upgrade it. And most PCs nowadays come with either Win7 or Win8 Home Premium edition either free or for a nominal upgrade cost.
Last but not least, if you do install IIS on your home machine, then you can also develop ASP.NET applications or PHP applications. Yes, IIS 7 supports PHP.
An optimist sees the glass as half full.
A pessimist sees the glass as half empty.
A realist drinks it no matter how much there is.