I use "grep" to search files (it should never skip any unless I tell it to do otherwise) and "git grep" to be a programmer searching a codebase (where it should only look at code files unless I tell it to do otherwise). Two different hats.

I wouldn't want to use tools that straddle the two, unless they had a nice clear way of picking one or the other. ripgrep does have "--no-ignore", though I would prefer -a / --all (one could make their own with alias rga='rg --no-ignore')