The goal of dot-config is to promote standardization of
for storing project specific tool configurations.
By using a subfolder you will help decluttering project root folder and isolating configuration from other project files.
.config is based on long standing XDG
standard which promoted the use of
~/.config for keeping user settings.
We only extended the concept to project repositories.
Dot-config is not a new standard, is just an extension of XDG one, one that covers for projects directories in addition to user home directories.