Yup, what I have read is that Macs pretty much defrag at the file level on the fly. They do not scatter pieces of a file all over - instead, each file is usually rewritten to a fully consecutive set of blocks. Hence, individual files are pretty much never fragmented.
This works well until your disk is nearly at capacity, at which point, OS X may need to start going block by block. However, at this point, fragmentation of an individual file is the least of your worries - you need more disk, or free up of existing space, anyway.