Question would you be happy to have fixed URLs like this;
www.example.com/topic or www.example.com/subdirs/topic
www.example.com/forum or www.example.com/subdirs/forum
or do you want to be able to have those extensions available if entered at the end of any URL within your site?
The reason I ask is that if you just want a fixed URL for each item then simply create a sub-directory with a default document, that way "www.example.com/topic" will work even though in reality it is "www.example.com/topic/default.php"
I am not sure what you are trying to do cobradude, I don't understand exactly what .htaccess does, and though I know something about how to clean URLs in IIS I need to know in more detail what you are trying to do in order to give you an answer.
The <Files> directive provides for access control by filename.
The ForceType directive forces all matching files to be served as the content type given by media type. For example, if you had a directory full of GIF files, but did not want to label them all with ".gif", you might want to use:
ForceType image/gif Note that this will override any filename extensions that might determine the media type.