listing a directory with an index.html (even with DirectoryIndex index.html)

1. want dir listing accessible even if there is a index.html

In .htaccess putting
Options +Indexes
allows users to see the directory if there isn't a index.html file
sitting there.  But what if there is?  I suppose there is then no URL
they can use to see the directory listing?  Is my only option to make
a listing myself that they can click on?
-- Taiwan(04)25854780

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