winspire - no, don't copy the htaccess - it's right where it belongs.
"To get to login screen... http://www.my-blog-url/wp-login.php
and I could still get to my own website by mysite.com?"
Okay, step by step here...
1. Your website is www.yoursite.com
2. You install wordpress in the ROOT folder.
3. After the install, you access your site's admin section (login screen to administer the site from the back end) by going to www.yoursite.com/wp-login.php
4. You do EVERYTHING from there - write posts, pages, etc.
5. To see what you did, you go back to www.yoursite.com
Let's say you want it to be separate from your main website... as in, you want to add a blog to an existing site:
Everything is the same, except after the .com/ you would add whatever your subdomain is... so it would then be:
www.yoursite.com/blog
and
www.yoursite.com/blog/wp-login.php to administer that part of your website
Just a little suggestion to all who are confused about this: Try doing some research about URLs, and make sure you read the wordpress codex and other files... This should not be complicated, and if you're having trouble with something like the URLs, you may actually want to stick with the wordpress.com version.
WordPress is "easy" - but requires a certain (small) level of HTML and CSS knowledge... And expects that you can actually do some research to find information before you do things if you're unsure, or you could wind up mucking things up...