Default [Q] Where is the File Manager?

Am I missing something? or is there no preinstalled File Manager?

Preinstalled apps, and google apps are the only apps allowed to write/edit to the miceSD card, so why wouldn't HTC install one?
Already regretting getting this phone, since I download a Lot of work files via my phone, and now I'm unable to move them from the downloads folder to the proper folder on the microSD.
HTC One m8 (In Use)
Nexus 4
Nexus 7
I called Google Device Support the other day, and asked about the possibility of Modem/Radio within the Nexus 7 3G.. and The CSR answer was "No you can not plug a Phone Cord or Ethernet cable into the device, and if you want to listen to the radio you must download a 3rd Party App or Try our Google Music service, but it's not a radio" - Couldn't help but laugh uncontrollably for 10min straight. ~UberSlackr