This is a follow-up from a chat with DragonFlySixtySeven on IRC who suggested that there should be a way to prevent changing extensions accidentally when the user types the whole name such as (File selector) "Foobar,png" instead of "File:Foobar,png", to which MediaWiki throws an error because the extension change is disallowed.
My personal idea is to add another text field for the extension with the cursor being set to default to the page name.
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Disabling extension changes entirely is probably a bad idea, as it would prevent normalizing .ogg to .oga/.ogv. Unless, of course, MediaWiki decided to strip extensions off and set them to standard values based on MIME type.