Thread title:
Which is loaded first, robots.txt or htaccess?
htaccess is not “loaded”. It is a file read by the server before processing each and every request, including requests for robots.txt. Unless you've got the world's worst server setup, visitors--whether human or robot--cannot read the htaccess file.
If a search engine has never, ever crawled the site, there's really no need to worry about it showing up in the index, because why would it? Search engines have got millions of targets that they
have seen, and that have links pointing to them.
The only exception is if your site name is some actual word or phrase; search engines that like exact matches
might offer up the site just because the name precisely matches a search query. But for most names this is not really a concern. (I cite my test site, which I conventionally refer to as “Google Plays Silly Buggers”--not its actual name, but it works as an analogy. On rare occasions, people really will come in from other search engines. And then they're disappointed to find it is just a test site.)
It's a good idea to let everyone see robots.txt--and to Disallow universally--because the only thing better (for the server) than a blocked request is a request that was never made in the first place.
In a way, keeping access open can be useful, as it tells you which robots crawl even though they've been told not to. So you get a head start on compiling your block list.