How do you password protect a site in progress? Im wondering if there is a simple way to password protect  site thats in development using just Craft Personal?

I setup a login page and i got {% requirelogin %} to redirect but it seems with craft personal even the admin cant login via a front end login form?

Do they have to login at /admin and then jump to the front end of the site?

is there an easier way?
Front-end user features are only available in the Pro edition of Craft.

Seems like the easiest thing to do would be to use .htaccess password protection for the site.