The protection from .htaccess is for the folder /wp-admin it’s not for the URL
Open up your ftp programme (or download WordPress) and look inside /wp-admin
By only allowing your IP access this folder you’re blocking a lot of possible exploit issues (as mentioned in comments below).
I always prefer to login at mysite.com/wp-admin and not login.php this way, if you’re still logged in to your site, you go straight to the Admin section.
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