I agree, it's incredibly strange. Just copied a file to the folder. It warns me that I have to be Admin to do so, but when I click OK it goes fine and is perfectly visible.
I can't call this a "browser problem" because: 1st any 32bit program can see it (unless run as Admin or without UAC, wtf?) and 2nd if the browser saves files with some strange permissions that makes it nearly invisible to everything else, I still consider that to be a fault of the OS or filesystem
Just saved your sigpic to the folder and it also defaulted to locked, invisible. So it does seem to be something about how the browser saves files (and perhaps all 32bit programs, only tried reading the files with others). But let's recap some of the craziest points:
* It shows me as the owner in the owner tab, but not in the Edit Permissions tab. In the Edit Permissions tab, I cannot even see who the owner is or take ownership!
* Even though myself and the Administrators group have full permissions, any program run as Administrator cannot view them under any circumstances!
* When UAC is disabled, the files are invisible under any circumstances!
* 64bit programs appear unable to view the files under any circumstances!