Thanks ShadowDust99, at least you know what you're talking about. However I've already viewed that link and the explanation does not allow me to do what I want. Incidentally, my favoured approach is to use Image Capture. It is the least intrusive application of all those I've seen. However, this should be a simple file system operation (even if I have to install Public/Private keys to authenticate).
The issue is that I use Finder to manage my files all the time, including those on external hard drives as well as networked drives. However, I don't take many photos nor download them often. So when I need to do so, it is an increadibly difficult workflow for something that should be really simple. This frustrates me no end and makes me want to remind Apple that I bought this phone and it belongs to me. I'm not renting or leasing it, nor was it issued to me by an employer. I want to use my devices my way. I could keep going with the rant, but this is a good point to stop.