rpanning, thanks for the help, your replies have been soo fast!
I know there are security risks I will have to watch out for in my php code, and that no code is perfect. Assuming my code is secure (I can dream, can't I), I wan't my users to be able to upload files without compromising the rest of my site.
Since I don't use ssi I am going to just add:
Options -Includes
and not worry about for now.
Quick summary of .htaccess settings so far.
To disable php, cgi, SSI:
# to disable php
AddHandler default-handler php
# OR
RemoveType application/x-httpd-php php
AddType text/html php
# OR: To display php files with color hilighted code
RemoveType application/x-httpd-php .php
AddType application/x-httpd-php-source .php
# To disable cgi and server side includes
Options -ExecCGI -Includes
If someone else knows how to disable/ignore .htaccess files on a shared server, I think I will be all set.