I mostly use fd in repositories, and I love having the ability of gitignoring pollution from build folders.

However, I keep getting tons of stuff from .git/.

I consider .git/ to be "gitignored by default", but that might just be my POV, any thoughts on this?

I imagine the odds of someone intentionally looking for stuff in the .git/ directory should be low, but in that case, they can resort to -I/--no-ignore (or --no-ignore-vcs).