You may not put much thought into how you name the files and folders in your website, but consider that they do make up part of the text in your page, so they should be considered. In fact, some search engines appear to consider them to be very important in their ranking.
Look at it this way: Which appears more meaningful to you?
Naturally, the first listing tells you what to expect, right? A search engine spider may make the same determination.
Consider this for Folder Names, Page filenames, image filenames, etc. Use your keywords here and give engines mroe to find.