Hi Mandy,
 
> I need to know if its a good idea to run webserver as
> user 'apache', have all files in webroot owned by user 
> apache and perms 644?
 
It's not exactly a good idea, but if you are in a situation 
where the advantage outweighs the problems, then go ahead.
 
> Would this still mean that if server runs as apache 
> and it has read/write access, someone could take 
> advantage of loop holes on the site and overwrite 
> some files on our site?
 
Simply speaking yes.
 
You may also want to look into the mod_suexec.
 
regs,
 
Christian Folini

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