If this is a new installation in an empty directory then that shouldn't happen, but I have seen it with Filezilla (although it seems you're not using that).
It should be safe to overwrite but if in doubt, check the contents of both files to ensure they are dupes.
should I create a separate database and user info Don't know this is my first time in MySQL
I have two so I am assuming new plugins/addons are creating new ones therefore forum maybe needs new database (my logic) TY for guidence I see why there is a fee Wishit was one click from CPANEL