I was looking at the sub dirs under /files, and it looks like the first folder created under /files is based on the category id.
So in theory if my category id for my Member category is 2, couldn't I put an .htaccess file in that dir to override the .htaccess in /files ?
I THINK its just a question of what I need to put into /files/2/.htaccess to override the Rewrite code in /files/.htaccess
I could be completely zonkers on this, tho, I admit.

Not an apache guru by any measure...