HEY! Smack me up side the head. Every site that I visited before posting was one of mine (because I knew they worked before) and every one of them I had recently turned on "Allow Composite Files" in the CMS settings. So Firebug was accurately showing the filename of the composite file being generated by the CMS.
Turned off "Allow Composite Files" and Firebug shows the individual filenames.
Simple error on my part now that I figured it out but man, was that frustrating!
Hope this helps anyone else who may have the same issue. Keep Composite Files out of the equation until your site is completed.
David