for your sanity you should not put different sites in the same web “directory” it brings clutter and possible unindended interactions without gaining anything. WP_HOME and WP_SITEURL might be an historical artifact (even when I start to develop for wordpress at version 2.x I could not figure out who needs it) maybe from the times it was hard/expensive to have subdomains, but now just get your wordpress on a subdomain and your htaccess worries will go away.
a more direct answer is that htaccess is an apache thing and it expects it to be at the site’s root directory, wordpress has no say about it and therefor will try to place htaccess there. You can avoid the issue by manually adding the wordpress htaccess directives to the current one if you already have such. But there might be more unexpected interactions depending on the omplexity of what you have on your main site.
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