Ah ok with you now. /%postname%/ is different from /%postname%.html (php, whatever) and it's (partly) because of the issues you state that I make sure of an html or php extension.
blogname.com/postname.html will cause no issues 'clashing' with pages such as blogname.com/post-name/, at least as far as I'm aware, and the seo-friendly url remains.
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