Site served by Caddy looks different to my HTML when open from disk

Where did you add it though? Needs to be inside the site block (e.g. just below root)

file_server is required to serve files in Caddy v2, it was implicit in Caddy v1.

You should right-click on the rendered page and click View Page Source, and compare the two.

Caddy’s file_server doesn’t modify HTML content by default, so you must have something else going on. Probably a CSS file not being loaded or something. Check your browser debugger’s Network tab to see if everything loaded properly.