For the record, my site's HTML pages are in exactly the format you describe:
http://www.nastysurfers.com/whipped/lesbian/enter.htm
Linking to:
http://www.nastysurfers.com/whipped/lesbian/main.htm
Linking to:
http://www.nastysurfers.com/whipped/lesbian/gal1.htm
I guess what you have a problem with is that the content is not in the same directory as the HTML pages, e.g.:
http://www.nastysurfers.com/whipped/content/1303_4.wmv
The reason for this is I put all content for whippedass.com in one directory. However, I only use it once -- every site I make is unique. I'm not "putting up a bunch of doorways to a folder of content."
Again, just for the record, my site complies with your rules AS WRITTEN.