I came across this exact issue while trying to come up with a solid set of flags to use with ctrlp in vim. I ended up settling on rg --hidden --glob '!.git' which does what I want and, since it lives in my .vimrc, I don't mind the verbosity. I do think it's surprising to find rg searching through the .git directory but I can also understand the mental model of rg not wanting to be "git aware" or any other VCS for that matter.