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Is it safe to say that every file/folder that the user needs to access directly (like a .php file or an html page) can have a permission set of 775, otherwise it should be 644? In this case, a .css file that doesn't require direct access by the user should be 644.
No, that's not at all safe to say.
Which user? Who owns the files? Who wants to do something with them?
Do you even understand what the execute bit means?
And why is this on the Linux Programming board instead of Technical or General? This is not a programming question.
A specialized Linux forum would be even better.