That's not a difficult question. The only time it makes sense to expose the internals is if you build a specialist tool for people who like internals exposed.
This means that no, it shouldn't be "user configurable" either. You don't want a combinatorial explosion of states in your UI for a tiny set of users in the general purpose case, and you don't want to create a honking fat tool for specialists who'll only use the specialist path.
The computer industry is discovering what the mechanical tools industry has known for a while: You can build a general purpose tool that's simple & straightforward, or you can make a specialist tool.
Pretty much any specialist will be slightly unhappy with the specialist tool and modify it to their own requirements, but you can't build a specialist tool that makes even close to all specialists happy. The specialists will also continue to use the generalist tool if it gets the job done, but they'll complain every step of the way.
And this is why I find myself mostly in the text shell.
Were I to go graphical the minimum I want is a simple address bar that I can override the current path with a specified path at will.
Maybe a tree view like in Windows 95 Explorer just to pretty things up. Some of the modern comforts like thumbnail images would also be welcome.
I wish they would stop insulting their users who have taken the time to understand the underlying technicalities of a file system. All this should be user-configurable in a good file manager. SpaceFM and PcmanFM come closest to what I've specified.