I'm an idiot and need help with web page hosting

[Munkay]

It all depends on how the server deals with the apparent extension of the file, and if the server doesn't supply much of the how-to then the browser will try to deduce what to do with the file. Save dialogue is initiated for extensions for which it makes sense to save the file (the browser has a set of defaults for these too). 

You are correct you can make up a script that just overrides the file type decision making by setting: 'Content-type' header.
Following which a stream of data forming the file can be just shoved into the HTTP open stream. The browser will deal with it.
More info here.
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Thanks for confirming, and the extra information.

Cheers,

Munk