Assets folders that return a 404 error

So we start a website, add our first page, index.php or index.html, and within the first few minutes we need some images, so we create a folder called images or assets and shove a whole bunch of images inside it, generally thats the end of the story, however what if we navigated to that page?

www.mysite.com/images/
Well we would probably see a directory listing provided by the Apache web server which is obviously a pretty large security flaw, so we add an entry into our .htaccess file like Options -Indexes and now people are not going to be able to look at our directory structure. Great, so is that the end of the story?

Well what if we navigate to
www.mysite.com/images/ again, we are going to be faced with a default or custom 404 error page.

So my question is, what are other people doing with this, do we redirect the person to our home page, do we add an index file into that directory so people do not get an error, or do you like me just ignore it and never really think about it again.
Would this be seen from an SEO standpoint as a website issue, I mean a site should not have 404 errors at all.

Please let me know what you guys do, if anything, and possibly give a reason why, because honestly in a decade, i have never really thought of it till today, i’m pretty sure Mr @Dave must have some thought on this, well at least i hope he does, or maybe I am the odd one out who has never thought about the repercussions if any of this behaviour.

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