Allowing userdir access is not the greatest of ideas for a lot of reasons ...
Something you might want to consider is setting up a subdomain alias
in the Apache configuration for the accounts that need to access their
sites before their domain DNS propagates, etc
In example:
Code:
Instead of http://www.yourdomain.com/~username,
it would be http://username.yourdomain.com/
Setting up something like this can be done fairly easily to be added
automatically to new accounts upon creation with wildcard DNS and
a few virtualhost template adjustments or just manually updating
if you only have a few hosts.
If you think this is something that would interest you, I'll post more
details about exactly how to set this up.
PS: The exclude you were talking about in your post excludes the site from protection
but not from being about to be viewed by ~username