The .htaccess file that you've seen isn't really needed, and is just a tiny bit of an overly cautious hosting company trying to block everything that they can. What that particular file does is make sure that nothing can access that directory. They've most likely done this due to some weakness in their own servers that leave s vunerability if directories can be browsed like that. It is safe to remove it and it won't cause any issues if you do.
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