Additionally, your OS probably already natively hides files that start with a dot, so this is just a UI problem.
Please don’t “solve” this issue by moving files to a sub-directory. If anything, only leave non-config files there, it’s the obvious simple solution that most projects follow anyway.
> can’t spend that kind of money
Right but this really really isn’t true
Do you really need a 100-million yacht and a 20-bedroom villa? No.