By default its going to give you warning for having it in the public html folder as according to the docs in the link you also provided.
Remember that by default moodle will issue a warning about moodle data
directories created inside the web directory, but otherwise this
directory can be located where you wish. You can later move or change
the location of this directory, but if you do, be sure to edit the
setting in the config.php file that sets this; e.g. if moodledata is
under a directory called data, then it would look like this:
As long as you have configured the dataroot location with the moodle data directory and placed your .htaccess file in that folder it should be fine.