There may indeed be a way to access it from the command line; for example one can access network paths.
But I have done a lot of googling and cannot see any way to do this one.
My Windows knowledge is only what one gets from many years of installing and maintaining it etc and as I said above I think the issue is that the phone is not a "block device". All the USB sticks etc appear as a block device and the USB spec has a standard profile for that. Canon, on their S90 etc little cameras decided to be clever and use the "imaging device" USB profile and M$ had to do a special hack on Windows Explorer (poorly on XP but OK on 7) to make the file system appear like a normal one so you could drag/drop.
In the Nokia 700 case I have tried the win7 Explorer too but it doesn't work any better.
The reason I am digging around this is
here. Life is too short to spend too much time on sorting out a bl00dy phone

but this issue is worth sorting. There is a 3rd party file browser on the (jailbroken) phone but its functionality is extremely tedious, which is why I would like to be able to browse the filing system on a PC.