Maybe we are misunderstanding one another.
I am talking about clicking on a file inside WinSCP on the remote side. Specifically, an image (or perhaps a PDF). By default, out of the box, without any configuration, WinSCP is bringing up such files in the text editor which is not very useful to anyone.
However, if I manually configure the windows Photo viewer for jpg and png (and other file types), then, when I open those remote images, WinSCP does the expected thing, it downloads (I guess temporarily somewhere) the file and opens it in the Photos app to look at, and the temp file goes away after it's closed.
All I am saying is that instead of a user having to manually configure it to do something for those file types, maybe you could configure a few of these useful popular file types on installing WinSCP. To be clear, I am talking about WinSCP's configuration, not Windows. Or maybe not even configure it but somehow use Window's default to open files that WinSCP doesn't have a specific rule for.
It's entirely possible that WinSCP is supposed to do this but it did not do it for me. Maybe there is a setting I have set wrong? I have been using it for many many years and never really noticed it do that so it's not impossible that there's something old on my machine and a new fresh install would act differently. I admit that I did not try that!