I do not want to have to edit that every time. See I made my dir name "forums". So now when I go to a forum I have forums/forums in the domain structure. So I figured I would put xenForo in the root dir but not have the forums as the home page. So now back to the thinking box.
Yes, if you're running Apache, you'd have to add it to your .htaccess file that came with xF, as that would be the .htaccess file in the root directory that would be served. So you might run the chance of overwriting that .htaccess file on an xF upgrade.