.netrc is often used to store credentials for other sites and so I don’t feel this is appropriate for auto-connect - instead to me manual-connection for this seems most appropriate.
Also the personal-files instance in this case should be named dot-netrc so that it is clear what is being granted access to.
As such, +1 for use of but not auto-connect of /.netrc named dot-netrc for gallery-dl from me.
Can other @reviewers please vote too?