rcs doesn't have .gitignore files and accidentally running commands on your top-level repo, so I could see why one would consider it. You don't really need atomic commits for this use case, so rcs is barely worse than the alternatives.
I can't say that I've ever had a problem with accidentally running commands in my top-level repo despite many years of running it under git and other VCS'es.
That said, using tools mentioned in this thread (esp. vcsh[1] and mr[2]) it's possible to have one's cake and eat it too w.r.t. using git for homedir version control without the worries of accidentally running VCS commands on your homedir. They also allow some real benefits, like the ability to use and deploy subsets of your rcfiles. For example, you could easily create profiles like: "server-side minimal core", "main personal system", "work box with employer-specific stuff".
