First of all, HDFS is a file system and HBase a database so yes, you should take that into consideration, since you don't access them the same way.
Knowing that, Pig and Hive let you access the data much easier than in pure Java. For instance, Hive lets you query HBase in a close-to-SQL way.
In the same way, you can browse and manage files with pig almost like with a shell on a standart machine.
To conclude, you should not worry about how files are stored with Hadoop, but where they are stored (HDFS or HBase).