concerns about git

i've been looking into using git for some version control and it looks great.. except for 1 thing that really disturbs me. why is the .git repository stored within the working copy? this is seems like a recipe for accidental deletion. if you are an individual using version control lets say for just your own work, there is a lot of security that is gained from at least having your repository within a different directory, or better on a different partition. this ensures that accidental deletions or hard drive crashes are less likely to result in loosing the ENTIRE project! of course, accidentally deleting your working copy is stupid, but it does happen. git seems to offer no protection against this kind of mistake for the individual coder.. or is there some way to have git put the actual repository files in a different directory? (can't find info on that)